Drivers' licenses can also be suspended for 30 days or until they can provide proof of insurance. If you caused an accident without insurance and want to keep driving, you should buy an auto insurance policy right away. Under Michigan's no-fault law, drivers must maintain car insurance that includes personal injury protection (PIP) benefits, also known as first-person benefits, which cover economic losses, such as medical bills, lost wages, rehabilitation costs, home care expenses, and reimbursement of miles if you are injured in a car accident. It's also important to note that regardless of the reason, not having insurance means that your insurance premiums will be more expensive the next time you need to buy an insurance policy.
In cities like Detroit, Flint and Battle Creek, it's estimated that more than 50% of drivers are uninsured. Finally, if you have an uninsured car, compare insurance quotes and buy a policy right away to protect your pocket from the dangers of driving without insurance. Your insurance must also include property insurance protection benefits (PPI), which cover losses from property damage during a car accident. Car insurance is mandatory in every state except New Hampshire and Virginia, and even driving outside the parking lot of an uninsured dealer is illegal.
You can browse WalletHub's selections to find the cheapest auto insurance companies in Michigan to compare your options. When an existing car insurance policy expires or is canceled, the insurer notifies the DMV, which will then ask you to submit proof of insurance within a specified period of time. With that in mind, WalletHub has ranked the cheapest car insurance companies for drivers with accidents, for your convenience. You cannot be left without car insurance for any period of time if you have a car parked or driven on public property.
Driving without valid insurance in Michigan is a very serious crime, and you must face charges and possible legal exposure with the insurance company if you have been involved in an accident. In addition to the significant criminal and driving-related penalties described below, driving a car in Michigan without the required auto insurance has many other consequences that can have a devastating impact on your life. On the other hand, if you're not going to drive your car for a while, you don't need insurance if it's parked on private property.