Typically if a car is not running (non-operational) and you have taken the registration off of it and it is no longer parked on public property you can take insurance off of it as well.
Most states require that as long as you keep a vehicle registered you must have insurance on it however when you take registration off of it and turn in the license plates and park it on private property (such as in your own driveway or garage, not a public area like a parking lot) you can cancel insurance on the vehicle. State laws do vary though.
The Kansas Insurance Commissioner site notes that in KS you are financially responsible for any motor vehicle accident you cause. To comply with state laws, owners of highway titled vehicles must purchase at least the minimum mandatory insurance coverages and limits. In accordance with Kansas laws, you are required to show provide proof of insurance, which may be an insurance binder, policy and/or identification card. You may be required to provide proof of personal automobile insurance, by the following:
- A law enforcement officer.
- At the scene of a motor vehicle accident.
- At the county treasurer’s office when you register or renew your motor vehicle registration.
Failure to comply with Kansas law may result in a monetary fine and/or driver’s license suspension. 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.
Since you have already taken insurance off of your vehicle you should contact the Kansas as soon as possible to make sure this is not breaking any laws and to find out if you need to turn in your registration and license tags if you have not yet done so. If you are planning on repairing the vehicle you may see if KS allows any sort of suspension of registration so that once the car is fixed it will be easier to reinstate registration and get the car back on the road. Finally make sure where state law allows you to park an uninsured vehicle.
If you find out that you need to keep insurance on the vehicle than you can click here to get low cost car insurance rate quotes for Kansas.
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