Michigan vs Ohio

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.

Scenario-dependent. No-insurance/FRA path: 1 year (BMV form 3135; §4509.45). OVI/other court suspensions: proof of FR (SR-22) must be maintained through the reinstatement and runs with the court suspension term (OVI suspensions range 1 yr to 12 yrs depending on offense count, §4511.19).

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.

FRA/no-insurance path: from the date the registrar imposes the suspension (§4509.45). OVI path: runs with the court-ordered suspension and continues past reinstatement.

Scenario-dependent. No-insurance/FRA: $40 (1st) / $300 (2nd) / $600 (3rd+) — BMV form 3135 + §4509.101. OVI: a higher reinstatement fee set by §4511.191(F)(2) (commonly ~$475, higher for repeat offenses).

The FRA reinstatement fee ($40/$300/$600) covers the no-insurance suspension. Separate security/judgment suspensions after an uninsured crash carry their own reinstatement.

Administrative FRA suspension model — no per-offense criminal fine for the FR violation itself. 1st offense: license lost until requirements met; $40 reinstatement. Driving during an FRA suspension (§4510.16) is an unclassified misdemeanor, fine up to $1,000.

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.

OVI (§4511.19): 1st = 1-3 years; 2nd within 10 yrs = 1-7 years + 90-day vehicle immobilization; 3rd = 2-12 years; 4th/5th+ (felony F4) = class two suspension (3 years to life). Limited driving privileges and IID/unlimited-privileges options available per §4510.13 / §4510.022.

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.

OVI fines (§4511.19): 1st $565-$1,075; 2nd (within 10 yrs) $715-$1,625; 3rd $1,040-$2,750; 4th/5th+ (F4 felony) $1,540-$10,500. Mandatory minimum jail/intervention escalates with each offense.

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)).

Driving under OVI suspension (§4510.14): M1, mandatory 3-day jail, $250-$1,000 fine, 30-day vehicle immobilization (1st); escalates. Driving under FRA suspension (§4510.16): unclassified misdemeanor, fine up to $1,000. General driving-under-suspension (§4510.11): M1. Driving under a 12-point suspension (§4510.037): M1, minimum 3-day jail (non-suspendable).

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.

An OVI conviction OR a §4511.191 implied-consent suspension (refusal or over-the-limit test) disqualifies a CDL for 1 year (1st) or life (2nd) (§4506.16(D)). Disqualification is 3 years if hauling hazmat at the time. Per §4506.16(F), the offense counts even when committed in a personal (non-commercial) vehicle if it occurred after the person obtained the CDL or on/after 9/30/2005. A test refusal also = immediate 24-hour out-of-service (§4506.17). Two serious traffic violations in 3 years = 60-day disqualification; three or more = 120 days.