SR22 Insurance in Kansas

SR22 Insurance in Kansas

The State of Kansas protects motorists and their passengers by enforcing the law that all drivers must carry a minimum amount of auto liability insurance. Drivers caught without this insurance coverage will have their license suspended or revoked.  In order to have their license reinstated, they must purchase Kansas SR22 insurance.

What is Kansas SR22 Insurance? Kansas SR22 insurance is a certificate of financial responsibility form attached as a rider to a vehicle owner’s primary insurance policy. It is filed by the driver’s insurance provider with Kansas State Department of Motor Vehicles. The SR22 is a guarantee from the insurance provider to the state that the driver has the proper liability insurance coverage at all times during a specified time frame. SR22 insurance is tracked by the insurance provider during the specified time period, confirming that it remains in force. The insurance provider is required to notify Kansas DMV if the SR22 policy lapses, expires or is cancelled. If that happens, an SR26 form is filed by the insurance provider to notify the DMV, resulting in suspension of the individual’s driver’s license.  Drivers should do all they can to ensure that this never occurs, as it is an expensive mistake.

How Long Will I Have to Carry Kansas SR22 Insurance? Kansas State typically requires that drivers who are required to carry SR22 insurance do so for three to five years.  This will depend on your particular circumstances, and you will need to discuss your case with the Kansas DMV.  Please note that it is crucial for you to maintain the insurance at all times to avoid your license being suspended or revoked.

When Does Kansas State Mandate SR22 Insurance? Some of the most common reasons for requiring a driver to purchase SR22 insurance are:

  •  Refusal to consent to a breath or blood test
  • DUI or DWI offenses
  • Child support or neglect cases
  • Legal judgments
  • Multiple driving offenses against a driver’s DMV record
  • Uninsured auto accident

What if I Don’t Own a Vehicle? If you do not own a vehicle but need to have your license reinstated, you can purchase Kansas SR22 non owner insurance.  Kansas SR22 non owner insurance is liability only insurance covering any non owned vehicle that the policyholder drives on occasion, and is secondary to a vehicle owner’s primary insurance. It covers claims for an accident that is the fault of the policyholder after the registered vehicle owner’s primary insurance has paid its maximum limit.

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