Kansas SR22 without a car

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Kansas SR22 without a car

Our non-owner SR22 insurance specialists quickly help you reinstate your license.

Kansas SR22 without a car is high-risk insurance for people who need an SR22 filing but don’t own a vehicle. The most common reason people need SR22 insurance is to reinstate their suspended driver’s license. SR22 without a car is known as “non-owner” SR22 insurance. It covers you if you drive a vehicle owned by another person. Non-owner insurance is secondary to a vehicle owner’s auto insurance coverage.

Many people don’t own a vehicle, but they do have a driver’s license. Suppose this is you, and the state suspends your license. In that case, you’ll need to get Kansas SR22 without a car (non-owner SR22 insurance) to regain your driving privileges.

Why do I need insurance if I don’t own a car?

Even if you don’t own a car, you may occasionally borrow a car to drive. Most of us have made mistakes when driving. These errors can be as simple as forgetting to use the turn signal or exceeding the speed limit. Or they may be as significant as getting multiple speeding tickets or a DUI. When you’ve had a license suspension, the state wants you to have continuous, current insurance coverage in exchange for reinstating your license. That’s when Kansas SR22 without a car comes into play.

The SR-22 Uniform Financial Responsibility Form is a tracking system between the insurance company and the Department of Motor Vehicles. This form is endorsed to your non-owner policy and filed with the DMV. If that policy lapses, the insurance company notifies the DMV, which could result in license suspension.

What coverage does Kansas SR22 without a car provide?

Non-owner insurance coverage is secondary to a vehicle owner’s insurance. It covers you when you drive their car and kicks in if accident claims exceed their coverage limits. Any borrowed vehicle you drive must have primary insurance coverage.

To maintain your driving privileges, you need to carry Kansas SR22 without a car continuously for three years. Non-owner insurance has a limited scope of coverage. For example:

  • It does not cover you to drive a car owned by someone else in your household or vehicles you have regular access to (such as a roommate’s car). If you want to drive a car owned by someone in your household, they must add you as a driver to their auto policy for you to be covered.
  • Non-owner insurance does not cover you when driving company-owned, commercial, or rental vehicles.
  • Because you’re not insuring a vehicle, you can’t purchase a non-owner insurance with comprehensive or collision coverage.

Coverage requirements for Kansas SR22 without a car

Kansas has stringent minimum liability coverage requirements for owner and non owner SR22 policies:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $25,000 property damage per accident

Personal Injury Protection (PIP) minimum liability coverage requirements:

  • $4,500 per person: medical expenses
  • $4,500 rehabilitation expenses $900 per month for one year: loss of income
  • $25 per day for one year: essential services
  • $2,000 funeral, burial, or cremation expenses
  • $900 survivors’ loss

Survivor Benefits:

  • Disability/Loss of Income: Up to $900 per month for one year
  • In-home services: $25 per day for one year

Uninsured or Underinsured Motorist liability coverage requirements:

  • $25,000 bodily injury per person
  • $50,000 bodily injury liability per accident

Kansas Department of Revenue

You’ll find more information about suspended licenses and driver solutions on the Kansas DOR website. You can also check the status of your Kansas drivers license number.

Not all insurance companies offer Kansas SR22 without a car, and rates will vary among them. It can be frustrating to find a reasonable rate that’s “as advertised”. Our rates are competitive, and setting up a policy is fast and easy. When you’re looking for a dependable non owner SR22 insurance companies, choose the specialists at Ultracar Insurance. We offer many Kansas non-owner SR22 policies to suit your needs, with prompt filing of your certificate.

This article was last updated on April 6th, 2023 by