Can I Get Auto Insurance if My License is Suspended?

About Suspended Licenses and Auto Insurance

Certain situations in Southeast Michigan can result in a driver’s license suspension. This can create problems, especially if the person needs access to a vehicle to get to and from work, take children to school, go to medical appointments, or engage in any other activity requiring driving. If you have a suspended license, contact our team at Atlas Insurance Agency to find out if you are eligible for auto insurance.

How to Get Auto Insurance

In Michigan, it is possible to purchase an insurance policy to cover your vehicle, but there are stipulations.

While the state’s Essential Insurance Act no longer allows a person’s driver’s license to be suspended due to issues unrelated to driving, several reasons may affect whether you can obtain auto insurance. These reasons include:

• Your suspended license may put you in the high-risk category, which could result in being denied coverage.
• Your driving record notes risky driving behavior and/or accidents.
• The reason/severity of the suspension.
• Fraudulent activity towards an insurance company.

There are several things you will need in order to get auto insurance. These include:

• You are a Michigan resident.
• You have a Michigan driver’s license, or you have a registered vehicle in the state.
• You may be required to get a restricted license before the state reinstates driving privileges.
• A certificate of financial responsibility, also called an SR-22 form, may be required to prove you have auto liability insurance.

Call Our Office

Have all of your questions answered about the possibility of driving time in Southeast Michigan even when you have a suspended license. To find out what is and is not allowed and how we can help get you insured, contact our agents at Atlas Insurance Agency.