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Driving in the State of Kansas is a privilege. This only means that car insurance is a must if you want to drive the roads of the state. If you are pulled on the side by the police, you must provide present your proof of insurance. If you are required to have SR22 insurance Kansas, becoming uninsured can lead to grave consequences.
Once you are arrested and convicted of DUI in the state of Kansas, you are required to get SR22 Insurance. You need to maintain this insurance for a period of three years after conviction. It must be noted the SR22 form is an expensive one to obtain.
SR22 insurance is a form required by the Kansas Department of Motor Vehicles as a liability insurance and proof that you have the minimum insurance necessary in the state. If you are stopped on the road by a police officer after your DUI conviction, and you cannot produce your SR22 form, you are most likely to be arrested.
Certain drivers need to obtain SR-22 certification before they can drive the roads of Kansas again. These drivers are the following:
- Drivers who are convicted of DUI
- Those who do not have car insurance
- Drivers issued with too many tickets at a specific time period
- Drivers who refuse to get tested for alcohol
- Reckless drivers
SR22 is considered as proof of financial responsibility. It is not actually the car insurance itself. You must purchase car insurance that is required by the state. While the length of time that you have to keep SR22 depends on the decision of Kansas DMV, it is normally maintained for three to five years. If you permit your SR22 form to lapse, your insurer will inform DMV and you are most likely to lose your driver’s license.
DUI in Kansas leads to SR22 Filing
You may opt not to get SR22 certificate in Kansas. If you have the financial means, you can post a bond, which normally runs from $30,000 to $50,000. However, only authorized insurers or surety company can issue such bonds.
Auto Insurance Requirements in Kansas
One benefit that you can enjoy being a driver in Kansas is its low cost of auto coverage. It is ranked as the fifth least expensive state in the US, in terms of the price of car insurance premiums.
In Kansas, you only need to carry the minimum requirement of car insurance:
A. Bodily Injury and Death:
- $25,000 per person in any accident
- $50,000 to cover injuries
B. Property Damages:
- $10,000
In addition to this, you are required to obtain personal injury insurance coverage.
While you are only required to get minimum insurance, it is advisable to get optional insurance to cover you completely. Examples of optional coverage include collision insurance, comprehensive insurance, and uninsured motorist insurance coverage. All this insurance can help in covering most costs and damages.
Getting affordable auto insurance in Kansas
You can qualify for discounts on your Kansas Car insurance premiums. For instance, if you enjoy any of these conditions, it is time to meet with your insurer about possible discounts:
- Decent Credit History
- Good driving record
- Good student grades
- Installation of safety devices in your auto, like anti-lock brakes and airbags
- Maintaining rental or home insurance policy with same insurer
Kansas DUI laws
Needless to say, Kansas has some of the stiffest consequences for DUI offense in the United States. In the state, you are considered to be under the influence of alcohol if:
- You have a Blood Alcohol Concentration or BAC level of at least 0.08
- You are below 21 years old and have a BAC level of at least 0.02
- You are a commercial vehicle driver and have a BAC level of 0.04 or higher
Your first DUI conviction means that you have to face a 2-day mandatory minimum jail time or a maximum of 100 hours of community service. You likewise need to pay a fine from $500 to $1000. Expect your driver’s license to be suspended for a maximum of 30 days. Your car will be impounded for up to a year. You will likewise be ordered by the court to undergo a treatment program.
In case you have been arrested and convicted of DUI for the fifth time, you have committed a felony offense. You will serve three months to one year in prison. You will be supervised by the Kansas Department of Corrections for a maximum of one year. Fines to be paid will be $2500. Worst part of it is that your license will be suspended permanently.
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