Kansas requires every driver to carry minimum liability insurance coverage to protect them, their passengers, and other motorists. If an officer catches you driving without this coverage, the state may suspend or revoke your driving privileges. To reinstate your license, you must purchase a certificate called SR22 Insurance Kansas and file it with the state DOV.
Reasons you may need SR22 insurance in Kansas:
Below are some typical reasons people need to reinstate their driver’s license.
- Refusing to consent to a breath or blood test
- Having a DUI or DWI conviction
- A child support order
- A legal judgment
- Excessive points against your driving record
- Driving without insurance
- Uninsured accident
What does SR22 insurance do?
SR22 insurance Kansas allows you to reinstate your driving privileges after a license suspension. SR22 is a certificate of financial responsibility. This certificate means that you agree to carry minimum liability insurance at all times for a specific time. The amount of time depends on the circumstances of your license suspension, but in most cases, it’s 2-5 years. The SR22 guarantees the state that you are financially responsible (insured) in exchange for reinstating your driver’s license.
If you own a vehicle, your insurance provider endorses the SR22 financial responsibility form to your auto insurance policy. Your insurance provider files the certificate with the Kansas Division of Vehicles, which starts the license reinstatement process. Then, the insurance company that issued your SR22 insurance Kansas policy monitors it to ensure it remains current. If non-payment of the policy causes coverage to lapse, the insurance company notifies the Kansas DOV through an SR26 filing. This filing means you no longer carry insurance, resulting in another license suspension.
Can I get an SR22 certificate if I don’t own a vehicle?
If you don’t own a vehicle, you can purchase non-owner SR22 insurance Kansas. With this insurance, your agent endorses the SR22 certificate to a non-owner insurance policy. The policy is liability-only coverage when you drive a non-owned vehicle occasionally. Non-owner insurance coverage is secondary to a vehicle owner’s primary auto insurance.
The Kansas Division of Vehicles website has helpful suspended license solutions to guide you through the reinstatement process.
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