Kansas Car Insurance (KS)

If you are looking for car insurance in Kansas, you should make sure that you shop around first before signing up with anything. There are many auto insurance companies in this state and if you are looking to save some money but still get a sensible coverage, your best bet will be gathering information from our online resource. You should get quotes from companies that offer auto insurance in Kansas in order to gauge just how much you will be paying for the next few years. These insurance quotes are given for free and all you have to do is fill out an online form so that in a matter of minutes, you will get a total approximation of the premiums you have to pay depending on the type of coverage you have chosen.

It is very important to have good automobile insurance coverage because there is no telling what sort of accidents you might get involved in. It will be in your best interest to have a safety net in the form of insurances as it will protect your finances in the event that you are held liable for a car accident on the road and you have to pay a certain amount for damages.

The owner or operator of a vehicle must have minimum liability coverage:
- $25,000 per person for Bodily Injury;
- $50,000 per accident for Bodily Injury;
- $10,000 per accident for Property Damage;

Insurance required:
- Bodily injury liability;
- Property damage liability;
- Uninsured motorist coverage;
- Personal Injury Protection;

Proof of insurance required:
- At registration (YES)
- At time of accident (NO)
- At all times in vehicle (NO)

(I.I.I.) recommends you carry $100,000 of bodily injury protection per person and $300,000 per accident.

Kansas Car Insurance Requirements: Adequate Protection On Kansas Roads

It is an unfortunate predicament to be in any accident. It is even more unfortunate not to have the financial means to handle the effects of such an accident. Whether you are the motorist at fault or the aggrieved party, you can benefit from a car insurance policy. As the owner of the car insurance policy, you can be assured of having your insurance company take care of the expenses for the medical treatment of people you have injured or the repair of their properties. As the aggrieved party, you are assured that the insurance company of the motorist who caused the accident will be able to give you some form of compensation for the injuries that you sustained even if the motorist himself does not have enough money himself. With the right amount of car insurance protection, motorists and pedestrians have somewhere to turn to for assistance in case of accidents. Find the right insurer to help you protect yourself with the right coverage. Choose only those that are proven to be stable and reliable to ensure that you will be able to claim on your policy when you need to. The true test of any insurance policy is in the availability and the quick dispensation of benefits when the need for it arises.

You should ensure that you have the right amount of coverage on your car insurance policy. The state of Kansas mandates a minimum coverage of $25,000 for bodily injury. This represents the maximum amount of money that your insurer will award for every person that you injure. If there are more than one person injured, the cap is set at a maximum of $50,000 per accident. The property damage liability coverage is set at a minimum of $10,000 per accident. The state of Kansas also mandates that motorists carry an uninsured/underinsured motorist coverage of $25,000 per person injured in an accident or up to a maximum of $50,000 in injury liability for every accident caused by a driver who does not have enough car insurance coverage. Invoking this under the no-fault system will waive your rights to sue the uninsured or underinsured motorist for more than the limits set in his insurance coverage. The no-fault system actually lets you claim for personal injuries whether or not the accident is your fault. Another mandatory coverage in Kansas is a personal injury protection coverage that would take care of the reasonable and necessary medical expenses that you and any of your passengers sustain for treatment of an injury regardless of who caused the accident. The minimum personal injury protection coverage required in Kansas is $4,500.

Kansas Department of Insurance

• 420 SW 9th St. Topeka, Kansas 66612
• Phone: (785) 296-3071
• Fax: (785) 296-2283
• www.ksinsurance.org

Kansas Department of Transportation

• Dwight D. Eisenhower State Office Building 700 S.W. Harrison Street, Topeka, KS 66603
• Phone: (785) 296-3566
• Fax: (785) 296-0287
• www.ksdot.org