Kansas Auto Insurance
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Kansas Auto Insurance Requirements
Kansas is a “no-fault” state. That’s right, it isn’t necessary to determine fault – in most cases. That’s because the insurers of all parties involved pays the claims of the individuals they insure. Having the insurer pay regardless of fault is supposed to reduce the number of lawsuits filed. Kansas auto insurance claims are supposed to be paid more quickly, too. No-fault laws also help ensure everyone gets the needed medical and other care after the accident. And that’s all good.
Kansas “No-Fault” Personal Injury Protection (PIP)
The minimum Kansas “No-Fault” Personal Injury Protection (PIP) coverage pays:
- Medical expenses up to $4,500
- Lost income for one month
- When deemed needed, it pays in-home assistance at the rate of $25/day, maximum one year
- Funeral expenses up to $2,000
- Rehabilitation services up to $4,500
- Lost wages and other benefits to surviving family members
Of course, Kansas consumers can purchase higher limits, but those with decent health insurance coverage may not need to.
Kansas minimum Insurance Requirements
Because there are times when injuries and damage are serious, it is necessary to go to court and determine fault. That’s why Kansas also requires that drivers have liability coverage, both bodily injury (BI) and property damage (PD). The minimum required bodily injury is $25,000 per person/$50,000 per accident. Minimum liability for property damage including damage to the victim’s vehicle, signage, buildings, etc. is $10,000.
Being Uninsured or Underinsured in Kansas
Kansas requires another type of coverage and that’s Uninsured/Underinsured Motorist (UI/UIM). Minimum limits are 25/50, or $25,000 per person/$50,000 per accident. With this coverage your insurer covers your bodily injury expenses if you’re in involved an accident with a hit and run driver or a driver without auto insurance. If the at-fault party is underinsured, the UIM portion of your coverage may pay your remaining bodily injury bills.
Kansas Comprehensive Collision Coverage
Not mandatory but good to have is Comprehensive/Collision coverage. With this, your insurer will pay to repair car damaged because of a collision, or because of vandalism, weather, wildlife, theft and other reasons beyond your control.
Kansas Insurance Department
To learn more about Kansas no-fault laws and auto insurance requirements, call the Kansas Insurance Department in Topeka at 800-432-2484. Or visit online http://www.ksinsurance.org