If your driver’s license is suspended and you don’t own a vehicle, you’ll need to buy non owner SR22 insurance Kansas to reinstate your license. This is a high risk insurance certificate that offers you liability protection when you drive a non-owned vehicle on occasion.
Common reasons people require non owner SR22 insurance Kansas
- Uninsured accidents
- Failure to submit a breath or blood test
- Child support cases
- Legal judgments
- Excessive points against your driving record
- DUI or DWI offenses
How does it work?
After filing your SR22 certificate, the insurance company makes certain you maintain it without interruption. If you let your policy lapse during the time the Kansas DMV requires it (3 years in most cases), the state will suspend your license again.
Non owner insurance is secondary to the auto insurance carried by a vehicle owner. This means that if you cause an accident when driving a borrowed vehicle, this insurance covers claims that exceed the vehicle owner’s insurance coverage.
NOTE: If you buy a vehicle while you’re carrying non-owner SR22 insurance, you should contact your insurance provider to switch the policy to an SR22 insurance Kansas owner-operator policy.
Limitations of non-owner insurance
- The policy covers one individual only
- Liability coverage only
- You can’t buy non-owner insurance if you own a vehicle
- Does not cover driving commercial or rental vehicles
- Does not cover operating employment-related vehicles
- Will not cover you to drive vehicles owned by others in your household
- Only pays claims brought by the other party or parties involved in an accident in which you’re at fault
- Does not cover any vehicle you drive or passengers in the vehicle
The Kansas Department of Revenue website, Division of Vehicles has more information about suspended license solutions in the state.
UltraCar Insurance has offers low rates and quick SR22 insurance quotes without a vehicle. Our agents will match you with the right non owner SR22 insurance Kansas policy for your needs. Click the quote button for an online quote or call us today!
This article was last updated on July 6th, 2023 by UltraCar Insurance