Michigan no insurance

Michigan no insurance drivers fees

Gov. Rick Snyder sign law eliminating Michigan no insurance fees December 2011. The new no insurance law eliminates a $150 state fee charged in two consecutive years for drivers caught operating without a valid license. The law also eliminates the $200 fee charged in two consecutive years for drivers hit with an infraction for failing to have no insurance coverage or providing proof.

Motorists who owe these fees for offenses committed before October 1, 2011, are still responsible for paying them, but future offenders will not be charged.

Penalties in Michigan for Driving with no Insurance

The state of Michigan requires no-fault insurance on every registered car. It is a misdemeanor to drive your car without basic no-fault auto coverage. If you are convicted of driving without the mandatory MI car insurance, you may be fined up to $500, put in jail for a year or both.

Not able to provide proof of insurance, thus driving without insurance, you can be found guilty of a civil infraction. The court can suspend your license for 30 days or until you provide proof of no-fault coverage on your vehicle.

Driving a vehicle without insurance and at-fault in an accident, the injured party might file a suit against you in court for damages. The court may award a judgment for damages to the injured party against you. Drivers who cannot pay the judgment will have their driver license suspended until the judgment is paid in full.

When a driver provides proof of insurance to the court within the specified time and still receives a notice of a Driver Responsibility Fee for No Proof of Insurance, the driver should re-contact the court. If a second notice is received after re-contacting the court, you should be aware that if the matter was not completed, or the payment had not been received within 30 days, your driving privileges will be suspended.

Where to send your Michigan no insurance payments 

  1. Make your check, cashier’s check or money order payable to the “State of Michigan-SAC” for the amount due.
  2. Write your assessment number on the check. The assessment number is in the upper right-hand corner of your notice and on the payment coupon.
  3. Include the payment coupon from the bottom of the notice.
  4. Please allow 10-14 days for mailing.
  5. Mail to: Collection Division
    Michigan Department of Treasury
    P.O. Box 30199
    Lansing, MI 48909-7699.

The no insurance fees for $200, and the No proof of insurance under the insurance code for $500 will qualify for an installment agreement with repayment terms up to 24 months.

Michigan does not accept credit card payments for this fee.

If the court dismisses the citation, the court will notify the Secretary of State. The Department of Treasury will issue a refund as long as there are no other outstanding debts on their records.

The penalties in Michigan if you have no insurance with an accident.

Accidents in Michigan with no proof of insurance have more severe consequences. You can view the link for financial responsibility filing to see what is included.

If a Michigan driver without insurance is in an at-fault in an accident, the injured party may file a suit against the uninsured driver in court.

If you have a Financial Responsibility Judgement these are the restrictions if you can’t pay the judgment. 

  • You could lose your Michigan Drivers License.
  • You will have to apply for a financial responsibility restricted drivers license.  (A driver’s license with no photo that limits you to drive only the vehicles stated on the license.)

Finally, if you do not have proof of insurance and you want to know what the minimum amount of coverage is needed in Michigan, visit our page Michigan no-fault requirements.