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Buying Car Insurance

Penalties for Driving Without Insurance in Michigan

Due to the strained economy, more people than ever are driving without auto insurance — even though it is required by law in Michigan. In fact, in cities like Detroit, it’s estimated that more than 50% of drivers do not have mandatory No-Fault insurance.

But skipping out on car insurance has some serious penalties, and it leaves you very vulnerable if you’re injured in a serious car accident:

You can be charged with a misdemeanor: Michigan’s No-Fault Insurance Law makes it a misdemeanor crime to not have mandatory No-Fault insurance for your car or truck. (MCL 500.3102(2))

You cannot receive Michigan No-Fault PIP benefits: If you are injured in a motor vehicle accident and you were driving your own, uninsured motor vehicle at the time, then you will be barred from receiving the No-Fault PIP benefits you will need for your care, recovery and rehabilitation. (MCL 500.3113(b))

You cannot sue: You cannot sue the other driver for pain and suffering. (MCL 500.3135(2)(c)).

You cannot get help under mini tort for your car damage repair: You will be deemed ineligible to pursue a mini tort claim for payment of all or some of the repair costs necessitated by your motor vehicle damage. (MCL 500.3135(3))

For more information, take a look at our blog post on the Top 9 risks for driving uninsured in Michigan.