Kansas requires every driver to carry minimum liability insurance coverage to protect them, their passengers and other motorists. If you’re caught driving without this coverage your license can be suspended or revoked. If your license has been suspended, you’ll have to purchase and file a certificate called SR22 insurance Kansas for license reinstatement.
Reasons you may need SR22 insurance Kansas:
- Refusing to consent to a breath or blood test
- Committing a DUI or DWI offense
- 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 means that you agree to be properly insured at all times for a specific time period in the future. The period of time depends on the circumstances of your license suspension, but in most cases it’s 2-5 years. The SR22 is a guarantee to the state that you will be financially responsible (insured) while driving in exchange for the reinstatement of your license.
If you own a vehicle, the SR22 financial responsibility form is endorsed to your auto insurance policy. Your insurance provider files the certificate with the Kansas Division of Vehicles, which starts the process of license reinstatement. Then your SR22 insurance Kansas policy is monitored to confirm that it remains in force. If non-payment of the policy causes coverage to lapse, the Kansas DOV is notified through an SR26 filing. This means you’re no longer insured, which results in repeat suspension of your driver’s license.
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, the SR22 certificate is endorsed to a non-owner insurance policy. The policy is liability only coverage when you drive a non-owned vehicle on an occasional basis. 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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