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Risks You Take When You Drive With No Insurance in Michigan


It is provided under MCL 500.3177(1) that an “insurer that is obligated to pay personal protection insurance benefits for accidental bodily injury to a person arising out of the ownership, maintenance, or use of an uninsured motor vehicle as a motor vehicle may recover all benefits paid, incurred loss adjustment costs and expenses, and incurred attorney fees from the owner or registrant of the uninsured motor vehicle or his or her estate.”

If the other party that is the victim or that suffered injury or damage coming from the accident has uninsured motorist coverage the insurance company that paid the uninsured motorist coverage will have a ride to go after you who is the driver without any insurance.

What If I Have Insurance But I Cannot Provide Proof When Pulled Over?

There may be an instance where you have insurance but you cannot provide any proof of the insurance when you are pulled over. In this case, the police officer cannot assume that you are telling the truth and you will be charged with driving without insurance in Michigan.

The presumption can specifically be found in the law in Michigan. Specifically, MCL 500.3102(3) provides that if a person fails to produce evidence of the required automobile insurance when he or she is pulled over, there is “a rebuttable presumption… that the motor vehicle or motorcycle did not have” the necessary insurance at that time.”

What does having a rebuttable presumption mean? The rebuttable presumption means that when you are pulled over and you cannot show any documentation proving that you have insurance to police officers would not have any choice but to charge you and write you up.

The good thing is that the presumption is only rebuttable in even with the presumption you can show proof that you are short to prevent any further problems coming from the proceedings.

What if I Do Not Have Insurance But I Am Not At Fault?

If you do not have insurance there is no effect if you are not at fault or if you are driving safely. A lot of people tend to think that if they are driving safely, that they would not be held liable for any of the injuries or damage caused. This is rooted in the fact that people believe that if they do not have insurance and they drive safely they cannot be held liable because they are not at fault. This is a mistake.

The fact that you are driving without insurance is already evidenced enough to hold you liable for the misdemeanor of driving without insurance. Other than the misdemeanor we have already told you about all of the other penalties that you would have to face, specifically all of the costs that you have to endure out-of-pocket.

When you do not have insurance liability or the burden is on you and not on the person who may be at fault.

Get Proper Coverage

In case of doubt, keep in mind that it is your no-fault insurance provider who would ultimately pay for your medical bills. As long as you get unlimited or no-limit coverage, you should be properly covered at a time when you need the best kind of coverage for your health and safety.

Contact Your Lawyer Today

If you have an insurance claim that you need assistance with, you should contact us today. A lawyer can help you get started with your claim. A lawyer at Haque Legal will see to it that your needs are met from the beginning to the end of the proceedings. You are always in good hands with Haque Legal and what it has to offer.


The article that you have read is based on general applications of the law. It is not legal advice and it is not to be construed as any legal consultation with the firm. No client-attorney relationship is created when you read the articles we have provided.

Let us help you out

If you are having trouble filing an insurance claim, call us immediately. If you have any problem with the law or are seeking justice and truth, our numbers are standing by to take your call.

The post Risks You Take When You Drive With No Insurance in Michigan appeared first on Haque Legal.

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