Kansas Car Insurance
The state of Kansas has some of the most comprehensive auto insurance laws in the country. By law, three types of car insurance coverage are required for Kansas drivers. Kansas drivers are required to carry minimum liability coverage of $25,000 for one person, $50,000 for all parties in an accident for bodily injury damages and $10,000 minimum coverage for property damage liability. This amount of coverage may be more simply stated on an auto insurance policy as 25/50/10.
Personal Injury Protection (“PIP”) coverage is no fault coverage required by Kansas law. Minimum coverage pays up to $4,500 for medical expenses, $900 per month for disability and loss of income for up to one year, $25 per day for in–home services, $2,000 for funeral, burial or cremation expense, and up to $4,500 for rehabilitation for accident related expenses. PIP also pays survivor benefits in the event of a death in the amount of up to $900 per month for disability or loss of income for one year and in–home services of up to $25 per day for one year.
PIP is the primary form of medical coverage for an auto accident. If medical expenses exhaust the PIP limits, the insured can then bill remaining amounts to their health insurer. Kansas drivers should carefully review their auto insurance policy to understand its terms, coverage amounts, and limitations.
UIM Coverage is a Requirement
Kansas drivers are also required to purchase Uninsured/Underinsured Motorist (“UIM”) coverage with minimum liability limits of $25,000 for one person, $50,000 for all parties in an accident for bodily injury damages. UIM coverage applies in the event the at–fault driver in the accident is uninsured or does not have enough insurance to pay for the damages sustained by the other driver(s) or passengers in the accident.
For example, if a driver in an accident had 25/50 UIM coverage, he or she would be able make a UIM claim with their auto insurance company and be able to receive up to $25,000 for their own bodily injury damages. A UIM claim would be valid if the at fault driver was uninsured or the UIM insured sustained bodily injury damages beyond the limits of the at fault driver’s policy. Per the UIM policy limits, the insurer would only pay up to $50,000 for all UIM bodily injury claims stemming from the accident.
Collision and Comprehensive Coverage
Other important available insurance coverage types in Kansas are Collision and Comprehensive coverage. These coverage types are not required by law but can be very important in the event of an accident. Also, many financial institutions require vehicle owners to purchase collision and comprehensive coverage as a condition of their loans.
Collision pays for vehicle repairs or vehicle replacement value following a collision regardless of fault. Comprehensive coverage pays for all vehicle repair damage or replacement value for incidents other than a collision such as the tree falling on a car or the car being stolen. There are minimum deductible limits for these collision and comprehensive such as $500, but Kansas drivers can also raise their deductible amounts to lower their premiums.
Keep Your Insurance Current
It is very important that Kansas drivers do not allow their auto insurance policies to lapse. Each day, thousands of Kansas drivers are involved in car accidents. Uninsured drivers in Kansas have to pay fines and may be forced to comply with state financial responsibility laws, which require them to purchase expensive SR–22 Insurance. Uninsured or underinsured drivers can also be held personally responsible for all damages caused in an accident. Driving without car insurance in Kansas is extremely unwise and can lead to financial ruin.
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Drivers in Kansas have more than a dozen auto insurance companies to choose from. Large insurers such as Geico, Liberty Mutual, Nationwide, and Allstate all sell auto insurance in Kansas. Whether you live in Wichita, Kansas City, Overland Park or Topeka, use BestCarInsuranceCompanies.net to get low cost Kansas auto insurance. Just enter your zip code above to get started and you could be on your way to saving hundreds of dollars a year on Kansas car insurance.