If you don't carry auto insurance and are stopped by law enforcement for a traffic violation, you will likely be issued a separate ticket for No Insurance. If it's your first offense for Insurance, the prosecutor may work with you to avoid prosecution. In Kansas, a diversion agreement is generally offered that allows you to avoid the conviction and points on your record. You must show proof of current insurance and pay a diversion fee of $200-$300. In return, you promise to keep insurance for either 6 months or 12 months and must return to court to show proof of continuous coverage on your car. Most of my clients can handle these terms and are successful with diversion. Others will either not maintain their coverage, as required, or fail to appear in court at the end of the diversion period to show proof of coverage. In this event, the diversion gets revoked and the case is set for hearing. Diversion is an excellent and easy option if you qualify. The bottom line is to keep insurance on your car to avoid ever having to go through the diversion process. Furthermore, coverage will protect you when and if you have an auto accident. I recommend setting up payments for your insurance an auto renewal with your bank.
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