Florida vs Michigan

optional. Uninsured Motorist (UM) and Underinsured Motorist (UIM) bodily injury are both optional in Michigan — the DIFS consumer guide lists them under optional coverages and its glossary describes both as optional coverages available for purchase. Both are fully optional in Michigan.

From the date proof was required (MCL 257.528(1)(a)) — NOT the reinstatement date and NOT the conviction date. nuance: if the person surrenders the license/registration and reapplies within the 3-year window, they must reestablish proof for the remainder of the 3 years (257.528(3)) — Michigan tolls the clock rather than restarting it.

License revoked on DUI conviction; IID mandatory: ≥6 months (1st, if BAC ≥0.15 or minor in vehicle; court discretion if BAC ≥0.08), ≥1 year (2nd), ≥2 years (3rd) (§316.193). Revocation lengths are set by §322.28 — typically 180 days–1 year for a 1st offense, 5 years for a 2nd within 5 years, and 10 years for a 3rd within 10 years.

suspension (1st offense, MCL 257.319(8)): OWI 0.08 (625(1)(a)/(b)) = 180-day suspension, no restricted license during the first 30 days; High-BAC 0.17 (625(1)(c)) = 1-year suspension, no restricted during the first 45 days, then restricted with ignition interlock (BAIID); OWVI (625(3)) = 90 days (180 if drug-related), restricted throughout; under-21 zero tolerance (625(6)) = 30 days (90 with a prior). A restricted license under 319(8) may NOT authorize CMV operation (319(15)). revocation (repeat/serious, MCL 257.303): 2 OWI within 7 years, or 3 within 10 years, or a single OWI causing serious injury/death -> revocation; minimum 1 year, or 5 years if a second revocation within 7 years (303(4)); indefinite, no automatic reinstatement. Restoration requires a DAAD hearing rebutting the habitual-offender presumption by clear and convincing evidence.

1st: $500-$1,000 (BAC ≥0.15 or minor passenger: $1,000-$2,000). 2nd: $1,000-$2,000 (enhanced $2,000-$4,000); ≥10 days jail if within 5 yrs. 3rd within 10 yrs: 3rd-degree felony; beyond 10 yrs: $2,000-$5,000. 4th+: ≥$2,000, 3rd-degree felony. DUI w/ property damage = 1st-deg misdemeanor; serious bodily injury = 3rd-deg felony; death = DUI manslaughter (2nd-deg felony, 4-yr mandatory min). (§316.193)

MCL 257.625 (OWI). 1st (subsec 9): misdemeanor, fine $100-$500 (or $200-$700 if High-BAC), up to 93 days jail (180 if High-BAC 0.17), up to 360 hrs community service. 2nd within 7 years: $200-$1,000 + 5 days-1 yr jail or 30-90 days CS (non-suspendable). 3rd (2+ priors, lifetime lookback - 'Heidi's Law'): felony, $500-$5,000 + 1-5 yrs prison. OWVI (subsec 11): 1st up to $300 / up to 93 days, escalating. Under-21 zero tolerance (subsec 12): 1st up to $250 / 360 hrs CS. OWI causing death (subsec 4): felony up to 15 yrs (up to 20 if High-BAC+prior or emergency-responder death), $2,500-$10,000. Serious impairment (subsec 5): felony up to 5 yrs (up to 10 enhanced), $1,000-$5,000. Child under 16 aboard (subsec 7): enhanced - 1st misdemeanor $200-$1,000; 2nd+ felony. Thresholds: 0.08 standard, 0.17 High-BAC, 0.02 under-21. IID available (625k/625l); vehicle immobilization (904d)/forfeiture (625n) on repeats.

Florida DWLS (FL Stat. 322.34). Suspended unknowingly = civil moving violation (Ch. 318). knowing DWLS, general = 2nd-degree misdemeanor (1st; up to 60 days/$500), 1st-degree misdemeanor (2nd+; up to 1 yr/$1,000), with a min 10 days jail on a 3rd+; 3rd-degree felony on a 3rd+ if the suspension is DUI-related (DUI, refusal, death/serious-injury offense, fleeing) (322.34(2)(c)). Habitual traffic offender driving (322.264) = 3rd-degree felony (322.34(5)). CMV while suspended/disqualified = 1st-degree misdemeanor (1st), 3rd-degree felony (2nd+) (322.34(7)). financial-responsibility / administrative track (322.34(10)) — suspended solely for failing to maintain FR under Ch. 324, child support, or unpaid obligations: lighter — 2nd-degree misdemeanor (1st), 1st-degree misdemeanor (2nd+), with a nolo-election option (322.34(11)). Arrest while suspended for an FR reason triggers vehicle impound/immobilization (322.34(8)). Penalty ranges from FL Stat. 775.082-083: 2nd-deg misd up to 60 days/$500; 1st-deg misd up to 1 yr/$1,000; 3rd-deg felony up to 5 yrs/$5,000.

MCL 257.904. 1st violation: misdemeanor, up to 93 days jail or up to $500, plus registration plates canceled (unless the vehicle was stolen or used without the owner's knowing permission). 2nd+ (after a prior): up to 1 year or up to $1,000; plates canceled. DWS causing death: felony up to 15 yrs, $2,500-$10,000; causing serious impairment: felony up to 5 yrs, $1,000-$5,000. The SOS imposes an additional like period of suspension on conviction (or 30 days if the suspension was indefinite; 904(10)/(11)); a 2nd+ DWS within 7 years triggers vehicle immobilization (904(17) -> 904d). Emergency life/property exception (904(15)).

Florida CDL disqualification (FL Stat. 322.61, federal FMCSA structure). 1-year (first major offense): DUI including in a NON-commercial vehicle (322.61(3)(b)1), CMV at 0.04+ BAC, leaving the scene, felony with a vehicle, refusal, CMV-while-disqualified, negligent-operation fatality. 3-year if transporting hazardous materials (4). permanent for a 2nd major offense (5), a controlled-substance manufacture/distribution felony with a vehicle (6), or a human-trafficking felony with a CMV (7). Serious-violation ladder: 60 days (2nd in 3 yrs) / 120 days (3rd) — reckless, 15+ over, texting, handheld, etc. Plus out-of-service-order and railroad-crossing ladders. CMV alcohol threshold 0.04. Important for CDL holders: a DUI in a personal vehicle still triggers a 1-year CDL disqualification.

MCL 257.319b. 60 days: 2 serious traffic violations in 36 months. 120 days: 3 in 36 months. 1 year (first major offense): OWI (625), refusal of chemical test, leaving the scene, a felony in which a vehicle was used, operating a CMV while disqualified, or a fatality by negligent operation. 3 years: a major offense while the CMV carried placarded hazmat. lifetime (reissue eligible after not less than 10 years + SOS approval): a second major offense from separate incidents. lifetime, no reduction: a CMV used in a controlled-substance manufacture/distribution felony; a major offense after a 10-year reissue; or a terrorism-chapter conviction (MCL 750.543a-z). HazMat endorsement denied/revoked on a federal security-risk notice (USA PATRIOT Act). Out-of-service (319d(4)/319f): 180 days / 2 yrs / 3 yrs ladders. Important for CDL holders (319b(7)): a DUI / refusal / leaving-the-scene / vehicle-felony committed in a NON-commercial vehicle counts against the CDL identically. CDL alcohol threshold is 0.04 (set in 625m). Only post-Jan 1, 1990 violations count.