A Consumer Guide to Understanding Kansas's Auto Insurance Requirements?

Answer 1

Kansas's auto insurance laws can be difficult for some drivers to understand because they require drivers to purchase a combination of individual auto insurance policies. This combination of policies is designed to help protect drivers from nearly every conceivable problem that occurs after an auto accident. As a result, it is important to understand Kansas's minimum auto insurance requirements to purchase the correct combination of auto insurance policies.

Here is a quick overview of Kansas's minimum auto insurance requirements that can help drivers purchase the proper combination of auto insurance policies.

Kansas drivers must purchase a certain combination of liability coverage policies.

For example, drivers must purchase at least $50,000 of bodily injury coverage that covers the lost wages that are sustained from injuries suffered in a single auto accident. At least $25,000 of this coverage must cover the injuries sustained by one person in an auto accident.

Moreover, drivers must purchase at least $10,000 of property damage coverage. This coverage is required because it provides protection for vehicles and other personal property that could be damaged or destroyed in an auto accident.

Drivers must purchase personal injury coverage.

This coverage is also called "No-Fault" injury coverage by some Kansas auto insurance dealers. It provides protection for nearly every conceivable problem that could result from injuries that are sustained in an auto accident.

For example, drivers must purchase at least $4,500 of medical and rehabilitation coverage. Drivers must also purchase at least $9,000 of disability coverage that offers income protection to drivers who are injured in an accident. Moreover, drivers must also carry at least $2,000 of liability coverage that covers funeral expenses for people killed in auto accidents that were caused by a driver's reckless behavior.

Finally, drivers must purchase uninsured motorists coverage.

This coverage must include $25,000 of coverage for each person who is injured by an uninsured motorist. Moreover, drivers in Kansas must purchase at least $50,000 of uninsured motorists' coverage for each accident that occurs. This coverage can be purchase separately or as a part of a comprehensive auto insurance policy.

The Kansas Insurance Department offers advice and suggestions that can help drivers reduce their in-state auto insurance rates. As a result, drivers who need more information about these auto insurance requirements should contact the department during normal business hours for more details about policy requirements.