Kansas Auto Insurance Requirements

There are several types of insurance that is required for drivers in the state of Kansas. It is required that all drivers of registered vehicles in this state carry liability, personal injury, and under insured/uninsured insurance coverage. Each of these coverages have state required minimums that must be met in order to drive legally in this state. These minimums are only the legal requirement for driving legally, they are not the recommended amount of insurance coverage to carry on a vehicle that you own.

Most insurance experts agree that the minimum required by most states is not a sufficient amount to protect you and your financial interests. If you are involved in an accident and are determined to be at fault then you could acquire up to $1 million dollars worth of damages for property and personal injury of the other party involved.

The minimum state requirements for liability coverage in the state of Kansas are $25,000 per bodily injury, $50,000 for all injuries, and $10,000 for personal property damages. Personal injury coverage must cover $4,500 medical expenses per person involved as well as $900 per month for one year’s time loss of income, $25 for in home services, $2,000 for funeral costs, and $4,500 for rehabilitation expenses. Uninsured/under insured minimums are $25,000 per person and $50,000 per accident.

When you are buying insurance you should make sure that you compare several different insurance companies rates before you make your final purchase. It is a major expense that is necessary and could come in very handy in case of an accident. You should also consider getting more than the minimum coverage incase the total costs of an at fault accident should exceed your coverage.