Kansas City Car Insurance and Legally Driving With a Suspended License

Even with being punished for not having Kansas City car insurance, you may still be able to drive.

Kansas City may be straight ahead, but most driving laws are effective before you get there.

Kansas City and many of the other major cities around the nation like it are just as much subject to state laws as they are the own laws that they create. Some of the major laws that are created by the state but have to be obeyed and enforced by the cities include the laws that pertain to driving.

For example, laws that tell you how much car insurance you have to carry and who does and does not get to drive.

Kansas City Car Insurance

Kansas City car insurance requirements match those of the State of Missouri because the state is who makes the insurance rules and regulations for everyone within the state’s borders. These Kansas City car insurance requirements include:

Liability coverage for injuries you cause to another person not in your vehicle ($25,000 per person/$50,000 per accident)

Liability coverage for damages you cause with your vehicle ($10,000 per accident)

Uninsured motorist coverage for injuries caused to you or others in your vehicle ($25,000 per person/ $50,000 per accident)

No Kansas City Car Insurance?

Decide that you don’t really need to comply with having to carry Kansas City car insurance and the authorities get to decide that you really don’t need to be driving then.

The first time you are caught driving without car insurance will earn you a $20 reinstatement fee. The 2nd time you are caught you will get to enjoy a 90 suspension and a $200 reinstatement fee.

And if you just didn’t get the clue the first two times, the third time you are caught without car insurance will make you the honorary holder of a suspended driver’s license (or vehicle registration) for a whole year. If you are ready to give up this honor at the end of the year, you will need to show that you do have car insurance now and will need to fork over a $400 reinstatement fee.

Special Suspended License Driving Privileges

If your driver’s license has been suspended for not having Kansas City car insurance coverage, you may qualify for what is known as a “hardship license”. These licenses are called Limited Driving Privilege licenses and are granted when drivers need their license for employment or other important matters. The specific hardship reason has to be approved by officials to determine if it is an actual hardship.

There is also a long list of reasons that could prevent you from qualifying for a Limited Driving Privilege license, so contact your local Kansas City DMV for more details.