Kansas Car Insurance

Kansas Auto Insurance protects you and your vehicle from accidents through proper and adequate coverage. You can easily arrive at easy rates for best coverage.

What do I get from my Kansas Auto Insurance?

When you buy Kansas auto insurance for your registered vehicle, you get different mandatory and optional coverage. Mandatory coverage is-

(1) Bodily Injury Liability
If you or your family members cause any accidents, this coverage pays for all medical expenses, funeral costs, rehabilitation costs, legal expenses and settlements of others. Minimum coverage is $25,000 each person for injuries to body, $50,000 for each accident and $10,000 for property damages.

(2) Property Damage Liability
This covers your repair costs, replacement costs, or cash value of property damages due to your negligent driving and associated legal expenses.

(3) Personal Injury Protection (PIP or No-Fault)
You receive this coverage irrespective of whether you are at fault or not. It pays for medical expenses, funeral costs, wages lost, rehabilitation expenses, and other associated expenses. Minimum coverage is $4,500 each person for medical expenses, $900 each month for a year for income loss or disability, $2,000 for funeral costs, and $4,500 for rehabilitation expenses.

(4) Uninsured and Underinsured Motorist Protection
This covers all your medical, funeral, and rehabilitation expenses even if accident occurs due to negligence of uninsured or underinsured driver. You get this benefit even if you are a pedestrian or a bicyclist. Minimum coverage is $25,000 each person and $50,000 for each accident.

Non-Mandatory Coverage

(1) Collision
This coverage pays your vehicle repair expenses irrespective of whose negligence led to accident. In case you need to replace your car totally, you get current market value of your car after reducing your deductible.

(2) Comprehensive
When your vehicle incurs damages due to non-collision factors such as mob fury, flood, theft, storm, fire, hail, or hitting of any animal, insurance companies replace your car or relevant parts according to current market rates and reduce your deductible therein.

Do I have to take all coverage?

No, you can avail of minimum coverage to ensure your total protection.

You need to carry proof of your insurance at all times in your vehicle. Or else you need to pay a fine of $100.

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