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Michigan Insurance Checks: How Police Verify Coverage

by Priya Shah – Business Editor

Michigan Police Can Lawfully‌ Stop Vehicles Based on No Insurance Flag⁣ in ⁤LEIN ​System,Court Rules

Lansing,MI – Michigan law ⁤enforcement officers⁢ can initiate a traffic stop if a Law Enforcement Details Network (LEIN) check⁤ reveals a vehicle does not have valid insurance,according ‌to a 2018 Michigan Court of Appeals decision. This practice, while not universally codified in departmental policy, has been affirmed as a legally permissible basis for​ a stop, offering clarity for both officers and drivers.

The ruling in People v. Mazzie (#343380, October 23, 2018) established that⁣ information from ⁢LEIN indicating ⁢a lack of ‍insurance provides police with ⁣”at least a reasonable suspicion” to ​investigate further. Michigan law requires vehicle ‌owners to maintain insurance,and the court found that a LEIN⁤ flag suggesting non-compliance justifies a brief detention to ​verify insurance status. While individual police departments may have ‌varying internal policies regarding the use of LEIN‍ for insurance ‌checks, the Court of Appeals decision provides a legal‍ foundation for such ⁤stops statewide.

The case underscores the importance of⁢ maintaining current vehicle insurance coverage in Michigan. A‌ traffic stop based solely on a LEIN indication of no ​insurance is permissible under the⁢ Fourth Amendment, possibly leading to citations and further legal consequences for uninsured drivers.

Anyone injured in an automobile crash in Michigan can contact ‍Michigan Auto Law ​for a free consultation at (800) 968-1001‍ or through their website at https://www.michiganautolaw.com/.

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