Kansas SR22 Insurance
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SR22 Insurance Kansas
You might have never heard of an SR-22 until you were told you needed one. SR is short for Safety Responsibility. The 22 is just the number of the form. An SR-22 form is provided by your car insurance company and presented to the Kansas Department of Revenue. This form shows that you’ve met the Kansas minimum requirements for car insurance liability coverage. Unlike some other states, Kansas doesn’t have a financial responsibility law. In these other states, proof of your financial ability to meet the state’s minimum insurance requirements is required before reinstating your license. In Kansas, you just need the SR-22 to prove that you’ve obtained the minimum level of car insurance.
- How much does an SR-22 cost in Kansas?
- How do I file an SR-22 in Kansas?
- How long will I need an SR-22 in Kansas?
- What happens if I let my SR-22 lapse?
- Do I need SR-22 insurance in Kansas?
- Do I need SR-22 insurance if I don’t own a car?
How much does an SR-22 cost in Kansas?
SR-22 insurance in Kansas costs an average of $587 per year, an increase of 5% compared to standard car insurance rates. In addition to an increased premium, it costs between $15 and $25 to file an SR-22 form in Kansas, depending on the insurance company.
SR-22 insurance in Kansas is more expensive than a standard policy because of the severity of the traffic violation. The form itself only costs a small fee. However, high-risk offenses, like DUI or reckless driving, will have a significant impact on your auto insurance premium.
How do I file an SR-22 in Kansas?
- Find an insurer. Ask your insurer if it issues SR-22s in the state of Kansas. If it doesn’t, you’ll need to find a car insurance company that does.
- Pay the SR-22 fee. To finalize your SR-22, you pay a fee to your insurer for processing the request and filing on your behalf.
- Verify minimum liability coverage. If you’re already insured, call your provider to verify your policy includes at least:
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- $25,000 for injury or death to one person.
- $50,000 for injury or death to more than one person.
- $25,000 for damage to property.
- Submit your SR-22. Your insurance agent will file your SR-22 with the Kansas Department of Motor Vehicles.
- Wait for confirmation. You’ll receive a letter from your insurer that your SR-22 is accepted, which means you’re back in action.
How long will I need an SR-22 in Kansas?
The length of time to maintain SR-22 insurance in Kansas depends on the conviction. In most cases, it ranges from 1–3 years.
The property damage will provide coverage for the driver and
whomever is driving the vehicle in the case of an accident.
If you or a family member are driving and involved in a accident the insurance company will pay for damages occurred from the accident up to $25,000. If there is damages above and beyond that you will be responsible for the remaining money owed.
Regardless of your driving history, we’re here to help. Ready to get started? Sit back, relax,
and discover an easier way to get the coverage you need.
What happens if I let my SR-22 lapse?
Continuous coverage is required for 12 months, and interruptions can occur from expiration, not filing on time or even canceling your original SR-22 coverage before your new insurer sends the certification to the DMV stating you meet the minimum insurance requirements.
Originally, a lapse in your SR-22 coverage would only mean a suspension of your license and subsequent additional payment of the reinstatement fee. The state of Kansas has since reinterpreted the statute and you’ll be faced with restarting your filing requirement on top of the suspension.
Do I need SR-22 insurance in Kansas?
Your state DMV will let you know if you need to file an SR-22. In Kansas, you may need to file for an SR-22 if:
- Your license is suspended due to a safety-responsibility violation or unsatisfied judgment.
- You’re convicted of a DUI.
- You refuse to take a breathalyzer test.
- You’re found driving without insurance.
- The state restricts or revokes your license.
- You’re under mandatory insurance supervision.
Do I need SR-22 insurance if I don’t own a car?
A court can require that you need an SR-22 even if you don’t own a car. Their assumption is that you could just as easily borrow someone else’s car, in which case you’ll still be driving.
Be aware that these so-called non-owner SR-22s often take a backseat to the car owner’s insurance policy. So if you’re driving your friend’s car and you have an accident, payment for any damage will fall to your friend and their insurance.
For the sake of your friendship, it’s probably a good idea to get non-owner SR-22 insurance. Kansas is a big state, but it might not be big enough if your friend gets angry about their insurance rates going up because of the accident you caused. How much is a non-owner SR-22 insurance policy? That depends on your driving record.
If you have had your license suspended or been labeled a high-risk driver by your state, you may be required to obtain an SR22 insurance. It may seem confusing at first but there is no need to panic. Get in touch with us today and get your free SR22 insurance quote.
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