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Requirements for Kansas Car Insurance

Kansas – the heart of Tornado Alley legally requires you to have the auto insurance coverage. Even if you have a bad driving record, you could expect to get affordable car insurance in Kansas. The more you gather information about Kansas’s laws and auto insurance policies, the better it would be for you.

Minimum Level of Coverage

According to the law in Kansas, each automobile insurance policy sold across the State should satisfy the below given minimum car insurance Kansas requirements:

  • Personal Injury Protection (PIP or No Fault) Coverage
  • Liability Coverage
  • Underinsured/Uninsured coverage
  • Car insurance companies in Kansas offer several types of Auto Coverage, which are as below:

Coverage Type Kansas Requirements Common Coverage Levels In Kansas
Personal Injury Protection If you and your family members have become a victim of the auto accident, this coverage could cover all your medical bills along with continuation of income. $4,500 per person for medical expenses

$900 per month for disability and/or loss of income (for one year)

$25 per day for in-home services (for one year)

$2,000 for funeral, burial or cremation expenses

$4,500 for rehabilitation expenses
$4,500 per person for medical expenses

$900 per month for disability and/or loss of income (for one year)

$25 per day for in-home services (for one year)

$2,000 for funeral, burial or cremation expenses

$4,500 for rehabilitation expenses per person
Uninsured Motorist This covers the medical expenses if you met with an accident with the driver without any insurance coverage. You can become eligible for this only when the other driver is at fault. $25,000 limit per person/$50,000 limit per accident $100,000 limit per person/$300,000 limit per accident
Underinsured Motorist This covers the medical expenses if you met with an accident with the driver not having enough insurance coverage. You can become eligible for this only when the other driver is at fault. Grouped with uninsured motorist coverage Grouped with uninsured motorist coverage
Liability Coverage (Property Damage Liability) This covers expenses related to the damage of another person’s property – like vehicles, homes, building, or any other structures-when you are at fault for the accident. $10000 limit $50000 limit
Medical Payments This covers medical and funeral expenses for you and your family members, when hurt in an accident. Not required $5,000 limit
Collision This covers expenses to repair or replace the vehicle that has got damaged in an accident Not required $500 deductible
Comprehensive This covers expenses to repair or replace the vehicle that has got damaged in incidents like theft or storms. Not required $250 deductible

Kansas auto insurance laws and regulations

All the auto drivers and passengers in Kansas that have become the victim of auto accident need to have thorough understanding of different laws and insurance coverage requirements of the State that could relate to the resulting vehicle damage or personal injury claim.

Rules for Kansas No-Fault Car Insurance

The first thing that you must know about Kansas is that it follows “No fault” auto insurance system. As per this Coverage, regardless of who is at fault for the accident, anyone who has been hurt due to the auto accident can turn to their car insurance policy for getting compensation of the injury caused and loss of pay, up to a specific dollar limit. The driver can opt outside of the State’s No Fault coverage system only when he has got a serious injury due to the fault of the other driver. Kansas auto insurance requirement for the No Fault Car Insurance is given in the above table.

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