Kansas Auto Insurance

Kansas requires three types of insurance coverage for its motorists. Like many other states, it requires a 25/50/10 liability insurance policy. That translates into the following minimum requirements:

• A minimum of $25,000 for each person injured in an at-fault accident
• A minimum of $50,000 for all people injured in an at-fault accident
• A minimum of $10,000 for all property damaged in an at-fault accident

An “at-fault accident” refers to an automobile accident caused solely by you or a person you permitted to drive your car. Therefore, Kansas requires liability insurance to cover the blameless party’s injuries and damages. Kansas mandates this type of insurance to elicit financial responsibility in its motorists.

Bodily Injury Liability

Bodily Injury Liability (BIL) is coverage that reimburses the other party for their bodily injuries. It concerns medical costs, child-care expenses, and even funeral costs. Since BIL can easily rise above the $25,000 minimum, you should purchase double or even triple that amount to prevent paying for things out of pocket.

Property Damage Liability

Property Damage Liability (PDL) is similar to BIL except that it pays for the other party’s property damage. It refers to not only automobile damage, but damage to home property. It also reimburses legal costs should the surrounding scene of the accident belong to another person, or be public property. Again, it is recommended that you purchase more than $50,000 as damages can quickly skyrocket in an accident.

Personal Injury Protection

Kansas also mandates that you purchase Personal Injury Protection (PIP) to ensure the best protection for yourself and your loved ones. PIP reimburses you for medical care, lost wages from your job, child-care expenses, and other expenses that will maintain your cost of life as you recuperate from an accident. The minimum amount of PIP includes the following:

• $4,500 per person for medical expenses
• $900 per month for one year for disability/loss of income
• $25 per day for in-home services
• $2,000 for funeral, burial, or cremation expenses
• $4,500 for rehabilitation expenses

Uninsured/Underinsured Motorist Coverage

Kansas also requires Uninsured/Underinsured Motorist Coverage (UI/UMC) to protect motorists from directly reimbursing their expenses resulting from a collision with an uninsured motorist. Uninsured drivers unfortunately proliferate, and purchasing this coverage will protect you from having to dip into your personal finances after an accident with an uninsured or minimally insured motorist. Kansas demands these minimum amounts of UI/UMC coverage:

• $25,000 per person injured
• $50,000 per each accident

Other Recommended Types of Coverage
You should purchase Collision Coverage and Comprehensive Coverage to protect against paying heavily for repairs to your own car and property after an accident. Collision Coverage covers repairs to your car when you are involved in a collision with another car. Comprehensive Coverage covers repairs to your car when it is damaged by a storm, by vandalism, or by collision with a stationary object. For both types of coverage, you should pay the highest deductible within your financial comfort level.

Kansas’s Penalties for Failure to Show Insurance Coverage
If you are stopped by a law enforcement officer in Kansas, you may be asked to show proof of insurance or financial security. Failure to show either will result in the officer issuing a citation, which states guiltiness of a class B misdemeanor and involves paying a fine between $300-$1,000 dollars. Failure to make payment will result in a six-month stay at the county jail.

The second time you are caught without proof of financial responsibility (within three years of the last citation), you will be guilty of a class A misdemeanor and have to pay between $800-$2,500. Moreover, you may face loss of your vehicle registration and suspension of your driver’s license. You will have to show proof of insurance coverage (such as an SR-22, or a form filed by the insurance company certifying coverage) and pay reinstatement fees to regain both items.

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