Getting a Second Chance at Keeping Your Wichita Car Insurance Premium Down

Getting pulled over for a traffic violation doesn’t automatically mean an increase in your Wichita car insurance.

Even if you get a traffic citation, there is still a glimmer of hope for your Wichita car insurance.

We all make mistakes every now and then that end up costing us more money on our Wichita car insurance. Sometimes we drive a little too fast and sometimes we aren’t paying attention and run a red light. In most cases though, we catch ourselves and correct our mistake before a cop notices. Unfortunately, there are also the other times we aren’t so lucky.

Thankfully, there are programs like Wichita’s Traffic Diversion Program where you have a chance to prevent a driving mistake from affecting your car insurance premiums.

Wichita Traffic Diversion Program

For most traffic violations, you can possibly get them dismissed through the Traffic Diversion Program, and they will never show up on your driving record. If they aren’t on your driving record then your Wichita car insurance company can’t use them to increase your insurance premium.

Per the City of Wichita website, here are the criteria you have to meet to qualify for the Traffic Diversion Program:

1. You have NOT been convicted of a moving violation (or had an amendment from a moving to a non-moving violation) in this or any other state or municipality, or have NOT previously participated in a Diversion for a moving violation within the last twelve months.
2. Citations for Speeding will ONLY be accepted for Diversion if the ticket is not more than 25 MPH over the posted speed limit.
3. Citations for Speeding in School and Construction Zones will ONLY be accepted for Diversion if the ticket is NOT more than 15 MPH over the posted speed limit.
4. You HAVE a valid driver’s license; those with a Commercial Driver’s License are not eligible for Diversion.
5. You HAVE current liability insurance.
6. Your citation did NOT result in or arise out of an accident.
7. The following citations are NOT ELIGIBLE for diversion: Driving While Suspended, No proof of Insurance, Hit and Run, Failure to Report an Accident, Failure to Yield to Emergency Equipment, Exhibition of Speed or Reckless Driving.
8. You MUST apply for Diversion within thirty (30) days after the issuance of your citation and pay the $25.00 non-refundable application fee and answer completely all questions on the application. Failure to do so will result in denial of your application or delay in the court date.

Current Wichita Car Insurance

One of the above stipulations for the Traffic Diversion Program is that you have current liability insurance. This current liability insurance is a policy with the following coverages on it:

• $25,000 in bodily injury liability coverage for one person
• $50,000 in bodily injury liability coverage per accident
• $10,000 in property damage liability coverage
• $25,000 (per person) in uninsured/underinsured coverage that pays for your medical expenses if you are hit by a driver that has no insurance or not enough insurance
• $50,000 (per accident) in uninsured/underinsured coverage that pays for your medical expenses if you are hit by a driver that has no insurance or not enough insurance
• Personal injury protection coverage that pays for your medical expenses

As you can see the Wichita car insurance requirements are actually a whole lot more than just liability insurance, but make sure you have the coverage in place so you can take advantage of the Traffic Diversion Program if you need to.