If your driver’s license is suspended and you don’t own a vehicle, you’ll need to buy non-owner SR22 insurance in Kansas to reinstate your license. This high-risk insurance certificate offers you liability protection when you occasionally drive a borrowed vehicle.
Common reasons people require non-owner SR22 insurance in Kansas
- Uninsured accidents
- Failure to submit a breath or blood test
- Missing child support payments
- DUI or DWI offenses
How does it work?
After you file your SR22 certificate, the insurance company makes sure you maintain it without interruption. If you let your policy lapse during the period Kansas Driver Solutions requires, 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 type of 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
Some of the limitations/exclusions listed below may depend on the specific insurance carrier:
- 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
Kansas Driver Solutions
The Kansas Department of Revenue website, Division of Vehicles, has more information about suspended license solutions in the state.
UltraCar Insurance offers low rates and quick SR22 insurance quotes without a vehicle. Our agents will match you with the right non-owner SR22 insurance policy in Kansas for your needs. Click the quote button for an online quote or call us today!
