Kansas law mandates that every automobile insurance policy sold in the state must have these minimum coverages:
- Liability Coverages of 25/50/10
- Personal injury protection (PIP of No Fault) of: $4,500/person for medical, $900/month for 1 year for disability/loss of income, $25/day for in-home services, $2000 for funeral expenses and $4,500 for rehabilitation expenses.
- Uninsured/Underinsured Motorist of $25,000/person and $50,000/accident.
According to Kansas statute 40-3104 a first time offender found driving without insurance must pay fines between $300 to $1000 in addition to losing their driver's licenses and vehicle plates, both of which can be reinstated through payment of a fee and proof of insurance coverage.
Kansas Statute 40-3104 discusses the fact that motor vehicle liability coverage is required. Part (a) states every owner shall provide motor vehicle liability insurance coverage in accordance with the provisions of this act for every motor vehicle owned by such person.
Section (d) notes that any person operating a motor vehicle upon a highway or upon property open to use by the public shall display, upon demand, evidence of financial security to a law enforcement officer. The law enforcement officer shall issue a citation to any person who fails to display evidence of financial security upon such demand. The law enforcement officer shall attach a copy of the insurance verification form prescribed by the secretary of revenue to the copy of the citation forwarded to the court.
Subsection (g)(1) states that any person violating any provision of this section shall be guilty of a class B misdemeanor and shall be subject to a fine of not less than $300 nor more than $1,000 or confinement in the county jail for a term of not more than six months, or both such fine and confinement.
It goes on in subsection (g)(2) to say any person convicted of violating any provision of this section within three years of any such prior conviction shall be guilty of a class A misdemeanor and shall be subject to a fine of not less than $800 nor more than $2,500.
In addition you may lose your driver's license and vehicle registration, both of which can be reinstated through payment of a fee and proof of insurance coverage. If you were in an accident while uninsured more penalties may apply which you can read about by going to the Kansas Statute listed above.
The law for driving without insurance is the same throughout Kansas however the fine amounts (with court costs, etc) may differ by county so you need to contact the court listed on your ticket for driving without insurance to see what penalties the court there usually hands out for this offense. If you need to obtain KS auto insurance, especially if proof of insurance now will help you in court, follow this link for a low cost car insurance quote.