1. When must a motor vehicle be insured?

   1. During the full-period of registration:

      1. every self-propelled vehicle of a kind required to be registered in Kansas, including any trailer, semi-trailer, or pole trailer, designed for use with such vehicle except as noted in paragraph 2 below.

      2. inoperable vehicles must be insured unless titled as non-highway.

      3. all operable vehicles whether or not in use must be insured

2. What vehicles are not required to be insured?

   1. A non-highway vehicle for which a non-highway certificate of title has been issued need not be insured. Such vehicle may not be driven on the highway except under a permit issued pursuant to K.S.A. 8-19X (g) in which case it must be insured. The necessary permit may be obtained at the office of the County Treasurer.

   2. A motorized bicycle having two tandem wheels or three wheels which may be propelled by either human power or helper motor, or by both, and which has: a motor which produces not more than 3.5 brake horsepower; a cylinder capacity of not more than 50 cubic centimeters; an automatic transmission; and the capability of a maximum design speed of no more than 30 miles per hour.

   3. Every vehicle and every bicycle and tricycle not to exceed one brake horsepower provided by battery in addition to human power.

   4. Any motor vehicle owned by the government of the United States, any state or any political subdivision of any state.

   5. An implement of husbandry or special mobile equipment which is operated only incidentally on a highway or property open to use by the public.

   6. A vehicle operated on a highway only for the purpose of crossing such highway from one property to another.

3. What vehicles are not required to have evidence of insurance?
   Those vehicles not required to be insured as indicated in question 2 above and:

   1. Vehicles regulated by the Kansas Corporation Commission are required to be insured but not under the Kansas Automobile Injury Reparations Act (No Fault Law).

   2. Vehicles being offered for sale by licensed vehicle dealers may be insured but not under the Kansas Automobile Injury Reparations Act (No Fault Law).

   3. Vehicles owned by self-insured persons as approved by the Kansas Insurance Commission are not required to have an identification card but must produce the certificate of self-insurance.

   4. Vehicles used in an approved driver training course under an agreement with a motor vehicle dealer and liability insurance coverage is provided by the school district or accredited nonpublic school.

4. When should evidence of insurance be required by a law enforcement officer?

   1. Always if the vehicle is involved in an accident.

   2. At the option of the law enforcement officer when making a traffic violation stop.

5. What is evidence of insurance?
   A policy of motor vehicle liability insurance or an insurance identification card or certificate of insurance issued to the policyholder by the insurer which provides the name of the insurer, the policy number, the vehicle identification number and the effective and expiration dates of the policy.

6. When should the "Insurance Verification " form (DC-66) be completed?

   1. When the evidence of insurance is presented at the scene of an accident.

   2. When the evidence of insurance is presented at the scene of a traffic stop if there is a reasonable indication that the evidence is not authentic or valid.

   3. At the court if not produced when requested.

      1. If not produced when requested a traffic citation should be issued to the driver. Boxes A, B, and D of the DC-66 form must be completed by the officer and attached to the citation and sent to the court.

      2. If the person is convicted, a DC-66 does not need to be sent to the division of vehicles but the conviction must be sent on form DC-7.

7. When must a person have their insurance company file evidence of insurance?
   This is required in the following situations whether or not the person owns a motor vehicle:

   1. When convicted of vehicular homicide.

   2. When convicted or enters a diversion program for DUI.

   3. When convicted of driving while operator's license is revoked, suspended or cancelled.

   4. When convicted of a felony in which a motor vehicle was used. This includes aggravated vehicle homicide and manslaughter.

   5. When convicted of leaving the scene of an accident without stopping to report.

   6. When convicted of operating an uninsured motor vehicle.

   7. When the division of vehicles determined that a person has failed to maintain continuous liability insurance during the vehicle's registration period.

8. How long and under what other circumstances must an insurance filing be maintained?

   1. Three years from the date of filing for each new offense.

   2. A filing by the company (not the agent) is required even if the person already has insurance.

   3. If the person changes companies during the required filing period, the person must have the new company make a filing of insurance or the person's driving privileges will be suspended until the filing is made.

9. If a person's driving or vehicle registration privileges are suspended, how can those privileges be reinstated?

   1. If suspended due to an involvement in an accident without insurance the person must:

      1. obtain insurance and have the insurance company file evidence of insurance with the division of vehicles and

      2. remit the reinstatement fee in the amount stated on the suspension order to the division of vehicles and

      3. be adjudicated by a court of law as not liable for the accident or

      4. obtain a release from liability from all other persons involved in any manner in the accident including passengers in all vehicles and owners of property other than vehicles damaged in the accident or

      5. enter into an agreement for the payment of damages to all other persons suffering bodily injury to property damage in any manner in the accident.

   2. If suspended due to a lapse of insurance or failing to have the insurance company make the required filing with the division of vehicles but not involving an accident, the person must comply with the requirements listed in paragraph (a) (1) and (a) (2) above.

10. What effect will entering a diversion program in lieu of prosecution for a DUI offense have on a person's insurance?

    1. The company cannot raise the premium or cancel the liability portion of the policy solely because of the diversion if the policy has been force at least 60 days. Some companies may charge a one-time fee for filing the evidence of insurance with the Kansas Department of Revenue, Division of Vehicles. The company is required to immediately make this filing regardless of the reason for which it is required.

    2. The company cannot refuse to renew the policy solely because of the diversion.

    3. The company can and probably will check the driving record of the person and other insureds listed on the policy to determine if such persons' driving records are cause for cancellation or nonrenewal of the policy as authorized by K.S.A. 40-276, K.S.A. 40-276a and/or K.S.A. 40-277.

    4. When the policy is due for renewal the company can cancel the comprehensive and collision coverage and reduce the liability insurance coverage to 25150/l Q, the minimum coverage required by law.

11. How can a person obtain car insurance if their driving privileges are suspended or revoked since any registered motor vehicle the person owns is still required to be insured under Kansas law?
    Any licensed insurance agent can write insurance for such persons through the Kansas Automobile Insurance Plan. This can also be done for those insurance filing with the Division of Vehicles even though they do not own a motor vehicle.

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