FAQ
Financial Responsibility
What can I do if my driver's license is suspended due to a financial-responsibility judgment.

You may apply for a financial-responsibility restricted driver's license. This is a no-photo license that limits the holder to driving only the vehicles stated on the license. In order to receive a financial-responsibility restricted driver's license, you must file a partial-payment agreement and proof of financial-responsibility insurance with:

Michigan Department of State
Action Processing Unit
7064 Crowner Driver
Lansing, Michigan 48918-0001

The telephone number is 517-322-6406, and their fax number is 517-322-1767.

 

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What is a financial-responsibility judgment?

If someone is driving a vehicle without insurance and is at-fault in an accident, the injured party may file a suit against the uninsured motorist in court for damages. The court may award a judgment for damages to the injured party against the uninsured motorist. If the uninsured motorist cannot pay the judgment, their driver's license is suspended until the judgment is paid in full.

 

If you did not find the information you need, enter a descriptive word or phrase in the Search field located in the upper right corner or send us an e-mail and we will help you get the information you need.

What is financial-responsibility insurance?

Financial-responsibility insurance is Michigan no-fault insurance that meets the special requirements of the financial-responsibility situation. There are two types of acceptable insurance: (1) Owner's, which insures any vehicle registered in the name of the responsible party; and (2) Operator's, which insures the responsible party in any vehicle not registered in the subject's name. The subject may carry either or both, whatever meets the subject's needs. The subject applies for the financial-responsibility insurance at an insurance agent of their choosing. The application is sent to the home office of the issuing company, and the home office supplies the state with the necessary certificates of insurance. This process may take between two and four weeks to complete. AN APPLICATION FOR INSURANCE IS NOT ACCEPTABLE. The necessary certificates of insurance are filed with:

Michigan Department of State
Action Processing Unit
7064 Crowner Driver
Lansing, Michigan 48918-0001

The telephone number is 517-322-6406, and their fax number is 517-322-1767.

 

 

If you did not find the information you need, enter a descriptive word or phrase in the Search field located in the upper right corner or send us an e-mail and we will help you get the information you need.

What is a partial-payment agreement?

A partial-payment agreement is an agreement that is signed by the both parties involved in the judgment, wherein the at-fault uninsured motorist agrees to make payments toward the judgment. It states a specified amount to be paid, when it is to be paid, and to whom it is to be paid.

 

If you did not find the information you need, enter a descriptive word or phrase in the Search field located in the upper right corner or send us an e-mail and we will help you get the information you need.

What can I do if I am trying to set up a partial-payment agreement, but the injured party refuses to sign an agreement?

The suspended driver may request a hearing at the court where judgment was rendered. The judge may enter an Order Regarding Installment Payments. A certified or attested true copy of this order from the court must be filed with:

Michigan Department of State
Action Processing Unit
7064 Crowner Driver
Lansing, Michigan 48918-0001

The telephone number is 517-322-6406, and their fax number is 517-322-1767.


 

If you did not find the information you need, enter a descriptive word or phrase in the Search field located in the upper right corner or send us an e-mail and we will help you get the information you need.

What do I have to do if have a financial-responsibility driver's license and I want to purchase another vehicle?

You are responsible for applying for a new financial-responsibility insurance policy on the new vehicle. Your insurance company will supply the State of Michigan with a copy of the new insurance certificate. Once the State of Michigan has received the certificate of insurance (not the application) for the new vehicle, another financial-responsibility restricted driver license will be issued to you. Until a new driver license is issued, you are not licensed to drive the new vehicle.

 

If you did not find the information you need, enter a descriptive word or phrase in the Search field located in the upper right corner or send us an e-mail and we will help you get the information you need.