Almost every state (except New Hampshire and Virginia) requires its licensed drivers to have a minimum amount of insurance coverage. The required insurance generally includes bodily injury liability coverage and property damage liability coverage in certain minimum amounts.

The cost of insurance is affected by many factors, including the driver’s driving record. A single speeding ticket can increase your insurance rates by as much as 25-30%, and more serious offenses such as DUI/DWI, street racing, or hit-and-run can increase the cost of your insurance by 75% or more.

A driver who has received a ticket or citation for a criminal offense or traffic violation with the potential to increase their insurance rates may want to consult with a lawyer who has relevant experience and expertise.

In Michigan, drivers are required to carry a minimum amount of auto insurance coverage. This includes Personal Injury Protection (PIP), Property Protection Insurance (PPI), and Residual Bodily Injury and Property Damage Liability Insurance (BI/PD). Michigan's no-fault insurance system requires PIP to cover medical expenses, lost wages, and replacement services, regardless of who is at fault in an accident. PPI covers damage your vehicle does to other people's property, while BI/PD covers claims against you if you cause an accident that injures someone or damages their property. The cost of auto insurance in Michigan can be influenced by various factors, including the driver's record. Traffic violations such as speeding tickets can increase insurance premiums significantly, and more severe offenses like DUI/DWI can lead to even higher rates. Drivers in Michigan who have received citations or are facing charges that could impact their insurance costs may benefit from consulting with an attorney who specializes in traffic violations and insurance law to explore their options and potentially mitigate the consequences.