What Are the Legal Consequences for Driving Without Insurance? | Wichita Criminal Defense Attorneys
WICHITA, Kan., Feb. 12, 2025 /PRNewswire/ -- Picture this: you're driving to work, minding your own business, when suddenly you're involved in a fender bender. Once the initial shock and adrenaline fade, one question will likely be at the forefront of your mind--do I have insurance? If the answer is no, your situation gets increasingly more complicated; driving without insurance isn't just risky from a financial point of view, but it's also illegal in most states, including Kansas. Our leading Wichita criminal defense attorneys at the McConnell Law Firm are exploring the legal consequences of driving uninsured so you can protect yourself before it's too late!
Is Auto Insurance Required in Kansas?
Yes, Kansas law requires all motorists to carry auto insurance. The state operates under a "no-fault" system, meaning your insurance will cover your medical expenses and lost wages regardless of who caused the accident (this is covered under your personal injury protection). In Kansas, all drivers are legally required to meet the following minimum liability coverage requirements:
Bodily Injury
-- $25,000 per person
-- $50,000 per accident
Property Damage
-- $25,000 per accident
Personal Injury Protection (PIP)
-- $4,500 per person (for medical expenses)
-- $900 per month (for one year for disability or loss of income)
-- $25 per day (for in-home services)
-- $2,000 for funeral, burial, or cremation expenses
-- $4,500 for rehabilitation expenses
Uninsured/Underinsured Motorist
-- $25,000 per person (for bodily injury)
-- $50,000 per accident
"The minimum liability requirements are very low, considering the cost of automobile repair or injury, and most of the time, Kansas minimums aren't sufficient enough to cover damages," said Jonathan W. McConnell, one of Wichita's top criminal defense attorneys and founder of the McConnell Law Firm. "While not having insurance is a criminal offense in Kansas, it's in every driver's best interest to acquire more than the mandated minimum requirements."
Penalties for Driving Uninsured
Driving without insurance coverage not only leaves you financially vulnerable but also exposes you to significant legal consequences. If caught operating a vehicle uninsured, you could be charged with a misdemeanor and face criminal penalties, ranging from fines and jail time to a license suspension. Here's what you could be facing:
-- Fines and Fees: First-time offenders may face fines ranging from $300 to
$1,000. These fines don't include additional court costs and
administrative fees, which may increase your financial burden.
-- License and Registration Suspension: Until you can provide proof of
insurance, your driver's license and vehicle registration can be
suspended. You may be required to pay a reinstatement fee and file an
SR-22 certificate (which serves as proof of financial responsibility)
before your license and registration are legally reinstated.
-- Vehicle Impoundment: If you're caught driving uninsured, law enforcement
has the authority to impound your vehicle. Before you're able to
retrieve it, you will likely be required to pay for towing and storage
fees.
-- Increased Insurance Premiums: A criminal charge for driving uninsured
will likely classify you as a high-risk driver. Insurance companies may
significantly increase your premiums, making it more expensive to secure
coverage in the future.
What to Do if You're Caught
There are many reasons motorists may be caught driving without insurance--whether you accidentally let your policy lapse or you knowingly avoided purchasing coverage. Whatever the reason, you should always remain calm and cooperate with law enforcement if pulled over and cited. Our traffic lawyers in Wichita encourage drivers to secure insurance immediately and ensure they meet Kansas' minimum liability coverage requirements, in addition to attending all court hearings, paying fines, and completing any required courses. Most importantly, contact an experienced criminal defense attorney to help you navigate the legal process and minimize potential penalties.
"If you're in a car accident, you can still be cited for driving without insurance, even if you're the one that was hit," said McConnell. "Because Kansas is a 'No Pay, No Play' state, not having coverage could also bar you from a recovery in an accident. Contact an attorney immediately if you've been charged, as they can help minimize damage and protect your future."
Have You Been Accused?
Have you been caught driving without proof of insurance? We encourage you to contact the McConnell Law Firm as soon as possible. While every case is different, and no conclusions should be drawn without first consulting a Wichita criminal defense attorney about the specifics of your case, it is always in your best interest to have a skilled attorney by your side from the beginning.
Request a Free Consultation
Do you or a loved one need the assistance of Wichita's leading criminal defense attorneys? We encourage you to contact the McConnell Law Firm at (316) 243-5903 for a free consultation.
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SOURCE McConnell Law Firm
