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Old 05-27-2017, 06:40 AM   #11
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Default Re: What can the authorities do if I do not have auto insurance in Michigan?

Can I stop driving my car for three or four months and then cancel the insurance during that period?

I have to find a way to reduce costs for a period. Even if I have to take the bus.
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Old 05-27-2017, 01:52 PM   #12
adjusterjack
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Default Re: What can the authorities do if I do not have auto insurance in Michigan?

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Can I stop driving my car for three or four months and then cancel the insurance during that period?

I have to find a way to reduce costs for a period. Even if I have to take the bus.
Insurance companies will allow you to remove the comprehensive and collision coverage if you want to store your car to save some of the insurance premium.

You can certainly cancel the whole policy but you'll have to turn in your license plates and registration to the DMV.

But when you repurchase the insurance you will be charged a higher rate for not having insurance during the prior period.

And the bad part about turning in your license plates, if you can't keep the car in a fully enclosed garage, you'll get cited by the city for having an unregistered car on your property.

There's no getting around it.

As long as you own the car, you have insurance, or (one way or another) you SUFFER the consequences of not having the insurance.

If it comes to a choice between insurance or smoking, drinking, partying, eating out, etc, you keep the insurance and curtail the other things.
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Old 05-28-2017, 04:50 PM   #13
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Default Re: What can the authorities do if I do not have auto insurance in Michigan?

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And the bad part about turning in your license plates, if you can't keep the car in a fully enclosed garage, you'll get cited by the city for having an unregistered car on your property.

The person who hijacked this thread didn't say what state or municipality "he" was in. The requirement you mention does not apply everywhere.
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Old 05-28-2017, 10:29 PM   #14
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Default Re: What can the authorities do if I do not have auto insurance in Michigan?

As MI is a quasi no fault insurance state, I would call your insurance company and tell them you will be on vacation and wish to suspend your current policy. HOWEVER, if you get caught driving the car and are proof of insurance is requested failure to provide it will result in a driver responsibility fee. The second month of failure to provide, is punishable by license suspension in addition to a higher fee. Failing to keep your policy can result in a higher premium, when you go to reinstate your insurance.
http://www.michigan.gov/driverrespon...165---,00.html
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Old 05-29-2017, 06:33 AM   #15
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Default Re: What can the authorities do if I do not have auto insurance in Michigan?

You can also change the policy to cover storage only, and not usage. The cost will be substantially less.
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Old 06-07-2017, 06:00 AM   #16
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Default Re: What can the authorities do if I do not have auto insurance in Michigan?

Storage policies still cost over a hundred dollars where I live, just FYI.
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Old 06-30-2017, 05:31 AM   #17
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Default Re: What can the authorities do if I do not have auto insurance in Michigan?

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As MI is a quasi no fault insurance state, I would call your insurance company and tell them you will be on vacation and wish to suspend your current policy. HOWEVER, if you get caught driving the car and are proof of insurance is requested failure to provide it will result in a driver responsibility fee. The second month of failure to provide, is punishable by license suspension in addition to a higher fee. Failing to keep your policy can result in a higher premium, when you go to reinstate your insurance.
http://www.michigan.gov/driverrespon...165---,00.html


I had three incidents and they took my license, just FYI. And it will be years before I can try to get it back apparently. So it is not worth it, believe me!!!
Scrounge up the funds somewhere or don't drive the car.
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Old 07-01-2017, 05:13 AM   #18
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Default Re: What can the authorities do if I do not have auto insurance in Michigan?

Ouch!

Pretty foolish to try to save money that way. Sell the car if you have to!
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Old 07-16-2017, 08:29 AM   #19
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Default Re: What can the authorities do if I do not have auto insurance in Michigan?

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You can also change the policy to cover storage only, and not usage. The cost will be substantially less.
Absolutely--that dropped my fee from 640 dollars over six months to 85 dollars.
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Old 07-18-2017, 04:55 AM   #20
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Default Re: What can the authorities do if I do not have auto insurance in Michigan?

Is this the same in NY?

I need to drop or reduce my insurance as well. Maybe even sell my car if need be but I can't afford the insurance right now.
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