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If Michigan DMV finds out your car insurance lapsed do they give you a grace period to Renu it?

Mine is only going to lapse for 3 days. What will happen?
  • Answers
  • No grace period. But they may not catch it.
    Dan B · 0 0
  • not a minute ................nobody does.
    rick29148 · 1 1
  • No. Lapsed is LAPSED! There IS NO "grace period".
    JetDoc · 3 1
  • It's not if, it's when the Michigan DMV finds out. Many states have mandatory auto insurance reporting laws, and Michigan is definitely one of them.

    The grace period is until they find out and notify you of the consequences, which won't take long. And because everything they do has to be done in writing, that means they'll mail you a notice. Don't ignore it.

    In your case, as long as you don't drive for those three days you'll be okay. There's no way the DMV is going to get your notice printed and mailed to you in less than three days, because government employees just don't move that fast. That means by the time you get your notice, you can call them up and tell them all about your new valid insurance policy. Then everyone is happy.

    NOTE: Seriously, don't drive for those three days. Michigan is a pure no-fault jurisdiction, so if anything at all happens to your car it's 100% your problem to deal with.
    Obi Wan Knievel · 1 2
  • Insurers must report on the 1st and 15th of the month of all lapses. If yours falls between those dates, no problem. If the state catches wind of it, your license and registration will be immediately suspended and you'll owe a lot more than the piddly insurance premium. to get them back
    Ron · 5 2
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