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Concerns For Drivers

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Anonymous

13y ago
Updated: 9/16/2019

Like every other state, driers in Kansas have to have insurance if they want to drive a vehicle. The minimum liability rates are 25/50/10. A policy that has $25,000 for the driver of an accident is the least a driver can get on their policy. The minimum for everyone involved in the accident is $50,000. This is usually a maximum amount for the people who are involved. Property damage rates are kept at a minimum of $10,000, but drivers can get a higher coverage, especially if they are younger or an elderly driver.

Something that Kansas offers to its drivers is a no fault policy. This means that everyone involved in a car accident has their medical bills taken care of. An amount of $4,500 is awarded for each person involved in the accident. The coverage also includes loss of wages if the person has to stay out of work as well as rehabilitation expenses. In the event that someone dies in an auto accident, $2,000 will go toward funeral expenses. If there are any survivors of the person that passed away in the accident, they will be awarded up to $900 a month for one year. This seems like a reason that many people would have a car accident on purpose, but in the state of Kansas, if you have a car accident, your insurance rates will go very high if you are in an accident. Therefore, because of these regulations, there are very few auto accidents and insurance rates are kept low.

When a driver decides it is time to get car insurance, or if they are changing form one carrier to another, there are a few factors that will determine how much they will pay. The first thing the company will look at is the prior driving history of the person applying. The company also takes into consideration the type of vehicle that is to be insured as well as the age and gender of the driver. If approved for coverage, the driver is placed in a category of drivers. There are three categories that drivers can be placed in. The lowest rates are for those considered to be the safest drivers.

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13y ago

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