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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 the mandatory Michigan car insurance requirements.

But there are serious penalties for driving without insurance in Michigan and it leaves you very vulnerable if you’re injured in a serious car accident.

List of Penalties for Driving Without Insurance in Michigan

  • 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.