Michigan Drivers Responsibility Act is the worst thing to get nailed with. After paying the court for them losing my insurance info, they wanted anoter $250/yr for 2 years for not having insurance which I did have. I had to get a official letter from the court and send it to Lansing to not have to pay the $500 total. Got pulled over for 10 over, written up for 5, ended up costing me $225 plus points.