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In many states across the country, drivers are required to take financial responsibility for any expenses and other damages they cause while driving their vehicle.
Unfortunately, the cost of even a moderate accident could create tens of thousands of dollars of bills for you to pay for.
In order to ensure that drivers can pay for at least most of their accident-related expenses as they are legally required to, Kansas has established a minimum car insurance requirement that its drivers must comply with.
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How to Read Car Insurance Requirements
Before you can buy a new car insurance policy that complies with this state’s guidelines and requirements, you need to learn how to read car insurance requirements.
Car insurance requirements usually list a coverage type and a numerical coverage limit next to it. The coverage limit is the maximum dollar amount of benefits that the insurance company will pay out for that accident or event.
There are descriptions of the more common types of auto insurance that you may need or want to buy:
- Bodily Injury Liability – If you cause an injury accident in Kansas, you are financially responsible for paying all medical expenses for other parties. Bodily injury liability coverage pays for those expenses, and it is required by law in this state.
- Personal Injury Protection (PIP) / Medical Payments – Personal injury protection coverage pays for any medical bills for you and others in your car. This includes loss of income, funeral expenses, and more. This coverage is required in Kansas.
- Property Damage Liability – If you cause vehicle damage or other types of property damage for other people while driving in this state, property damage liability coverage can pay for those expenses. Property damage liability insurance is a required type of coverage in Kansas.
- Uninsured and Underinsured Motorist Coverage – This is another type of required coverage for drivers in Kansas. It pays for any expenses that you incur through a hit and run accident or an accident with an uninsured driver.
- Collision – Collision insurance pays for your own vehicle repairs or for a full vehicle replacement in some cases, but it only covers collision events. Some lenders require collision insurance for as long as you carry a loan balance, but this type of insurance is not required by law.
- Comprehensive – This type of auto insurance pays for your vehicle-related expenses for a collision, theft, weather damage, and more. As is the case with collision insurance, some auto lenders require you to purchase comprehensive insurance.
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Minimum Coverage for Kansas
If you have plans to shop around for new car insurance in Kansas, you first need to determine how much insurance you want to buy.
The state’s minimum insurance requirements should be considered as a first step in this process.
If you plan to drive legally in this state, your insurance policy should at least include:
- $25,000 for bodily injury per person or $50,000 for bodily injury per accident
- $25,000 for property damage liability coverage
- Personal injury protection insurance with minimum amounts for itemized expenses
- $25,000 per person or $50,000 per accident for uninsured or underinsured motorist coverage
These car insurance requirements for drivers in Kansas are only relevant for private-use vehicles.
If you use your vehicle for commercial purposes, if you rarely or never drive your vehicle, or if there are other special circumstances, explore the unique car insurance requirements that are relevant to your situation before you buy new insurance.
If You Violate the Insurance Laws in Kansas
All drivers in Kansas are required to maintain at least the minimum coverages listed above, and you may face legal consequences if you do not comply with the law.
In many cases, drivers who do not purchase and maintain this coverage will face a driver’s license suspension, but other penalties could also be assessed in different situations.
Additional penalties may be assessed in the case of car insurance fraud.
Minimum Requirement vs. Recommended Coverage
The car insurance requirements for Kansas drivers are fairly robust in comparison to minimum insurance requirements in other states.
However, some drivers still opt to buy more than the minimum amount of insurance required by law, and you may wonder why they would willingly pay more than they need to for car insurance.
Some Kansas drivers purchase additional types of coverage, and others may increase their limits on the state-required coverages.
The primary reason for taking these steps is to reduce the amount of money you may have to pay out of your funds if you are involved in an accident or are affected by another damaging event.
Keep in mind that any expenses that your insurance policy does not cover are your responsibility, and other parties can sue you for damages if you fail to pay money that you legally owe to them per financial responsibility laws in this state.
If You Buy Kansas Auto Insurance
Shopping for new auto insurance rates in Kansas can seem stressful and time-consuming, but it actually can be completed with minimal time and effort required.
The first step to take is to determine if you want to buy the minimum amount of auto insurance that is required by Kansas law and if you have any lender auto insurance requirements to comply with.
If you decide to purchase more than what is required by law and by your lender, you need to determine how much coverage you want to buy and which types of coverage to buy.
Buying Kansas auto insurance is most quickly and easily done through online quotes. Simply identify a few leading car insurance providers to request quotes from, and focus your attention on their reputation as well as their financial rating.
By taking these steps, you can identify the best deal available on the type of auto insurance that you want to buy in a concise and simplified manner.
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