Kansas drivers have some of the strictest requirements in the nation.  Kansas is known as a no fault state. This means that no matter whose fault an accident is, a drivers own insurance covers expenses and damages.  A no fault state limits the amount of lawsuits in the insurance world and almost guarantees injured drivers access to medical care.  Since Kansas is a no fault state, every driver is required to carry PIP insurance, or personal injury protection.  Minimum PIP insurance in Kansas will cover:

• four thousand five hundred dollars in medical expenses
• one month’s worth of lost income
• twenty five dollars a day for in-home assistance if it is deemed necessary
• two thousand dollars in funeral expenses
• four thousand five hundred dollars in rehabilitation services
• some death benefits for the family to help compensate for lost wages

If you have a comprehensive health insurance plan, then you may only need the minimum amount of PIP insurance.  If involved in an accident that does in fact warrant a lawsuit (as in severe medical expenses or loss of wages), then the person responsible for the accident’s is deemed responsible.  In Kansas, drivers are also required to carry liability insurance just for this case.  Kansas is also one of the states in the U.S. that requires their drivers to carry uninsured motorist insurance.  This protects a driver in the case of an accident with an uninsured motorist.  This policy will also protect a driver in the case of a hit and run.

Q: “What is the minimum amount of auto insurance coverage that I need in Kansas?”

Kansas drivers are required to carry PIP insurance, liability insurance, and uninsured motorist insurance.   The minimum amounts of liability insurance are shown on an insurance policy as 25/50/10.  This means that in Kansas, the minimum amount is $25,000 to cover minimum expenses for a single occupant driver, $50,000 for medical expenses for more than one occupant, and $10,000 to cover property damages.  In the event a driver is deemed responsible for an accident, liability polices do not cover those expenses.  Again, these are minimum amounts, and a driver should get multiple quotes in deciding what type of coverage is needed.

Compare Kansas Car Insurance Rates Online

Even though Kansas has some of the more stricter auto insurance regulations, it still has some of the lowest rates in the country.  Make sure you get a good deal by going to autoinsurancebystate.com to get multiple quotes from the top insurance companies in the state.  All you have to do is put in your zip code, and in less than two minutes you get multiple quotes for auto insurance.  I

For More Information

Kansas Department of Insurance
420 SW 9th Street
Topeka, Kansas 66612-1678
Phone: (785) 296-3071