How to File an SR-22 Form in Kansas: A Complete Guide
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A Kansas SR-22 form is required for some high-risk drivers. If you’re convicted of a DUI, driving without insurance, or driving with a suspended license, you will likely be required to get an SR-22 form from your insurance company.
Your driving record has a direct impact on your driving privileges and car insurance coverage. Requesting an SR-22 form from your insurance company could increase your insurance rates. However, you will not be required to maintain this coverage forever, which allows you to improve your driving habits.
Use our guide to Kansas SR-22 forms to learn how to request an SR-22 form.
Introduction to SR-22 Insurance in Kansas
What is an SR-22 form? This form, sometimes known as a Certificate of Financial Responsibility, proves that you have an insurance policy meeting the state’s minimum requirements.
SR-22 certificates are sometimes required for higher-risk drivers who may have been convicted of specific driving violations. You will have to hold an SR-22 form for as long as the Kansas DMV requires. In addition, your insurance company must report changes to your policy to alert the DMV if your coverage lapses or is canceled.
Reasons for Needing an SR-22 in Kansas
Kansas requires proof of insurance with form SR-22 for the following violations:
- Driving under the influence
- Leaving the scene of an accident
- Driving with a revoked, canceled, or suspended license
- Driving without Kansas car insurance
- Injuring another person while driving under the influence
- Violating any motor vehicle law that results in another person’s death
- Using a vehicle in connection to a felony
Kansas maintains driving records for all drivers. While the state does not use a point system, it does participate in the Problem Driver Pointer System (PDPS).
States that use the PDPS report violations from problem drivers that all participating states can access. If the problem driver moves to another state, the new state will use the PDPS information to decide their driving privileges. The Kansas DMV is likely to require SR-22 insurance for drivers listed on the PDPS.
The Process of Obtaining an SR-22 Form
In Kansas, you must wait to receive notice that you are required to provide an SR-22 form before starting the process to obtain the right insurance coverage. Even if you know that your specific driving violation requires an SR-22 form, wait until you have received an official notice from the Kansas DMV. Kansas usually requires SR-22 coverage for one year at a time.
If you don’t already have Kansas auto insurance, you will need to begin by finding a policy that meets the state’s minimum requirements. This includes 25/50/25 liability insurance, 25/50 uninsured/underinsured bodily injury coverage, and personal injury protection (PIP). You may have luck finding coverage by working with an insurance agent specializing in SR-22 policies.
If you already have an existing policy, you can call your insurance provider to tell them you need to add an SR-22 to your policy. Some companies may not provide these forms, so you may need to find a different one.
Insurance companies are responsible for filing the SR-22 form with the DMV on your behalf.
Steps To File for an SR-22
The step-by-step process for getting SR-22 coverage is fairly simple:
- Find an insurance company that provides coverage for high-risk drivers.
- Purchase a policy that meets the Kansas minimum car insurance requirements.
- Contact your insurance agent or company to request they send the SR-22 form to the Kansas DMV.
- Pay any additional fees or increased rates to your insurance company to cover the SR-22 form and coverage.
- Look for confirmation that your insurance company has submitted the SR-22 form.
The Impact of an SR-22 on Car Insurance
In addition to SR-22 requirements, high-risk drivers may face additional penalties such as license suspension, fines, reinstatement fees, registration suspensions, and increased car insurance rates.
Insurance companies are typically taking on greater risk with drivers who require SR-22 forms. Many of these drivers have incurred serious driving violations, such as driving under the influence or driving with a suspended license. This may increase insurance rates.
In some cases, you may have a difficult time finding a company that will sell you insurance. If you need to use a company that specifically provides high-risk insurance coverage, you’re likely to pay even more for your policy.
Secure Your Coverage: Compare Insurance Quotes for the Best Rates Despite SR-22 Requirements!
When you need an SR-22 form, carefully consider your coverage options for cheap car insurance in Kansas. Take the time to compare multiple companies to make sure you can get the best rates for your situation.
Use the online quote comparison tools from EverQuote to find car insurance in Kansas by comparing custom options just for you.