MI HB4193

Allows drivers to display electronic copies of insurance certificates on electronic devices during traffic stops, with restrictions on officer access to other device information.

Establishes that displaying an electronic insurance copy does not constitute consent to search the electronic device.

Exempts drivers from fines and court costs if they submit proof of valid insurance before their court appearance date, though courts may assess a fee up to $25.

Requires license suspension for 30 days or until proof of insurance is submitted if a driver is found responsible for lacking insurance, with a $25 service fee to the Secretary of State.

Prohibits vehicle registration renewal, transfer, or replacement until the owner obtains valid insurance or sells the vehicle outside the immediate family.