Michigan Compiled Laws

Mich. Comp. Laws § 257.518 (2026)

Proof of financial responsibility; certificate of insurance.

✓ current as of July 2026
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MICHIGAN VEHICLE CODE


Act 300 of 1949


257.518 Proof of financial responsibility; certificate of insurance.

Sec. 518.

    (a) Proof of financial responsibility may be furnished by filing with the secretary of state the written certificate of any insurance carrier duly authorized to do business in this state certifying that there is in effect a motor vehicle liability policy for the benefit of the person required to furnish proof of financial responsibility. Such certificate shall give the effective date of such motor vehicle liability policy, which date shall be the same as the effective date of the certificate, and shall designate by explicit description or by appropriate reference all motor vehicles covered thereby, unless the policy is issued to a person who is not the owner of a motor vehicle.

    (b) No motor vehicle shall be or continue to be registered in the name of any person required to file proof of financial responsibility unless such motor vehicle is so designated in such a certificate.

History: 1949, Act 300, Eff. Sept. 23, 1949

Notes of Decisions
Cited in 10 cases, 1953–2016 · leading case: Titan Ins. Co. v. Hyten, 491 Mich. 547 (Mich. 2012).
Titan Ins. Co. v. Hyten, 491 Mich. 547 (Mich. 2012). · cites it 6× “520(f)(1), “motor vehicle liability policy” refers only to an “owner’s or an operator’s policy of liability insurance, certified as provided in [MCL 257.518] or [MCL 257.519] as proof of financial responsibility .”
Bazzi v. Sentinel Ins. Co., 891 N.W.2d 13 (Mich. Ct. App. 2016). · cites it 4× “520(f)(1), “motor vehicle liability policy” refers only to an “owner’s or an operator’s policy of liability insurance, *776 certified as provided in [MCL 257.518] or [MCL 257.519] as proof of financial responsibility .”
State Farm Mut. Auto. Ins. v. Ruuska, 282 N.W.2d 472 (Mich. Ct. App. 1979). · cites it 4× “MCL 257.518; MSA 9.2218 deals with the filing of certificates of insurance.”
Morley v. Auto. Club of Michigan, 581 N.W.2d 237 (Mich. 1998). · cites it 2× “§§ 257.518, 500.3009, 500.3131; M.S.A. §§ 9.”
State Auto. Mut. Ins. v. Babcock, 220 N.W.2d 717 (Mich. Ct. App. 1974). “See MCLA 257.518; MSA 9.2218; MCLA 257.1104(3); MSA 9.”
Dep't of Transp. v. Initial Transp. Inc., 740 N.W.2d 720 (Mich. Ct. App. 2007). · cites it 2× “3009(1) states: An automobile liability or motor vehicle liability policy insuring against loss resulting from liability imposed by law for property damage, bodily injury, or death suffered by any person arising out of the ownership, maintenance, or use of a motor vehicle shall…”
Ali Bazzi v. Sentinel Ins. Co. (Mich. Ct. App. 2016). · cites it 4× “520(f)(1), “motor vehicle liability policy” refers only to an “owner’s or an operator’s policy of liability insurance, certified as provided in [MCL 257.518] or [MCL 257.519] as proof of financial responsibility .”
Auto Club Ins. Assn v. Bristol West Preferred Ins. Co (Mich. Ct. App. 2016). “520(f) only apply to a “motor vehicle liability policy” and the act defines a “motor vehicle liability policy” as one certified under MCL 257.518 or MCL 257.519. See Titan Ins Co v Hyten, 491 Mich 547, 559-560 ; 817 NW2d 562 (2012), quoting, in relevant part, MCL 257.”
Kenya Alisha Frost v. Progressive Michigan Ins. Co. (Mich. Ct. App. 2016). “520(f)(1) restricted only coverage to proof of financial responsibility pursuant to MCL 257.518 and MCL 257.519, and explained: [U]nless the insured .”
Judd v. Vollmer, 61 N.W.2d 776 (Mich. 1953). “CLS 1952, § 257.518, Stat Ann 1952 Rev § 9.2218. CLS 1952, § 257.”
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