Find a Michigan DUI Attorney and Michigan DUI Terms

Michigan DUI Laws   Michigan DUI Terms   Michigan DUI Penalties

Michigan Drivers Licenses Suspensions   Michigan DUI SR-22 Insurance  Michigan Traffic Schools

 

If you are convicted of a DUI, OWI, OUIL or DWI in Michigan, your auto insurance company will find out and you will be dealt with in one of two ways – 1. Your auto insurance rates will go up, sometimes substantially, or 2. The auto insurance company will cancel your policy. If your auto insurance company raises your premiums but keeps you as an insured, you will more than likely be labeled a “high-risk driver.” Most states require the auto insurance company to provide the state motor vehicle agency (DMV, MVD) with an SR-22 Proof of Insurance Certificate, which removes your license suspension by providing the state with proof that you are insured.

Not all auto insurance companies can offer SR-22 policies, so your auto insurance policy may be non-renewed or cancelled because the company can no longer provide auto insurance for you. In some states, insurers cannot cut you off in the middle of the auto insurance policy term, so be sure to check on the laws where you live.

If your auto insurance policy is cancelled or non-renewed, you will still be able to find auto insurance. It will not be one of the preferred carriers, like AAA, Allstate or Geico, but some other well-known companies (such as State Farm and Progressive Insurance) as well as other smaller companies will cover you and file the SR-22 for you so your license may be reinstated. Your rates will most certainly be higher, particularly because a DUI or DWI violation remains on your driving record for anywhere from five years to the rest of your life, depending on the state you’re in. To find new auto insurance coverage after a DUI or DWI, it’s preferable to go through an independent auto insurance agent who works with many different auto insurance companies.