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Old 02-12-2017, 07:51 AM   #1
JanisP
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Default What can the authorities do if I do not have auto insurance in Michigan?

What can the authorities do if I do not have any car insurance in Michigan and I am caught driving without it?

My insurance lapsed and frankly I just cannot afford it for about six months and then I will start it again.
But I am driving to work each day!
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Old 02-12-2017, 09:53 AM   #2
AFFA
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Default Re: What can the authorities do if I do not have auto insurance in Michigan?

I wish to inform you that you may be liable for misdemeanor if caught driving without licence. Penalties may thus involve imprisonment which may be upto 1 year or fine or both. There may also be suspension of your licence for 30 days.

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Old 02-12-2017, 01:03 PM   #3
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Default Re: What can the authorities do if I do not have auto insurance in Michigan?

Quote:
Originally Posted by JanisP View Post
What can the authorities do if I do not have any car insurance in Michigan and I am caught driving without it?

My insurance lapsed and frankly I just cannot afford it for about six months and then I will start it again.
But I am driving to work each day!
Here are all the potential consequences for getting caught without car insurance:

1 - Hefty fines.
2 - Driver license suspension.
3 - Registration suspension and license plate confiscation.
4 - Significantly higher insurance rates next time you buy insurance.

Then, if you get caught driving on a suspended license or cancelled registration, bigger fines, longer suspension period, maybe the impounding of your car resulting in horrendous towing and storage fees when you finally do get it back.

And, finally, if you cause an accident that results in injury and/or damage your entire financial future goes into the toilet.

You can't afford NOT to have insurance.
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Old 02-19-2017, 04:58 AM   #4
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Default Re: What can the authorities do if I do not have auto insurance in Michigan?

I may have to not drive for one or two months and then get new insurance somehow!
Will the company let me put it on hold or will that raise red flags?

Janis
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Old 02-19-2017, 05:14 AM   #5
goddessoflubboc
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Default Re: What can the authorities do if I do not have auto insurance in Michigan?

You can't put it on hold. You're insured or not. If not you violate your state financial responsibility law by driving.
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Old 02-19-2017, 12:32 PM   #6
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Default Re: What can the authorities do if I do not have auto insurance in Michigan?

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I wish to inform you that you may be liable for misdemeanor if caught driving without licence.
She didn't say anything about her license.
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Old 02-19-2017, 12:32 PM   #7
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Default Re: What can the authorities do if I do not have auto insurance in Michigan?

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I may have to not drive for one or two months and then get new insurance somehow!
Will the company let me put it on hold or will that raise red flags?

Janis

Why are you posting under different names??
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Old 02-19-2017, 01:12 PM   #8
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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I may have to not drive for one or two months and then get new insurance somehow!
Will the company let me put it on hold or will that raise red flags?

Janis
1 - Your insurance has lapsed. To your insurance company you no longer exist so there is nothing to "put on hold."

2 - The advantage to not driving is that you don't get pulled over and cited.

3 - However, when the DMV is notified of the lapse, your registration is likely to be suspended so you will have to deal with reinstating it when you do get insurance again.

4 - Most insurance companies will charge you higher rates after having a lapse so you aren't doing yourself any favors by lapsing the insurance. You'll only pay more to get it back.

5 - You might think you can go a couple of months without driving but the one day you just have to drive because "it's an emergency" is the day you'll get pulled over and hit with $1000 worth of fines. That's the way these stories always play out on these websites. And heaven help you if you cause an accident while you aren't insured.
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Old 02-20-2017, 09:50 AM   #9
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Default Re: What can the authorities do if I do not have auto insurance in Michigan?

Hmm
It seems that the insurance may have be purchased after all.
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Old 02-21-2017, 12:22 PM   #10
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Default Re: What can the authorities do if I do not have auto insurance in Michigan?

That is the point of having extreme penalties.
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Due to a recent promotion, I should now be referred to as Major Obvious.

I would not be trying to provide information and knowledge if I did not sympathize.

Some days it is just not worth chewing through the restraints to face life.
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