Kansas Auto Insurance Laws
Anyone who operates a motor vehicle in Kansas is required to have a specific amount of car insurance coverage by law. Drivers with no insurance in Kansas will be charged with a class B misdemeanor. A minimum fine will be imposed; there could also be a jail sentence. Second offenses are considered class A misdemeanors.
Liability
In the state of Kansas, by law, all insurance policies must have specific minimum components. This includes liability, personal injury protection and uninsured motorist coverage. Liability coverage must include a minimum of $25,000 for each person to cover bodily injury, $50,000 for each accident to cover bodily injury and $10,000 minimum to cover any property damage per accident, according to the Insurance Information Institute.
Personal Injury Protection
The Insurance Information Institute says that, in Kansas, the minimum amount of personal injury protection must include the amount of $4,500 for every person to cover medical expenses, a minimum of $900 allotted per month in the event there is a loss of income, $2,000 for interment expenses and $4,500 for any rehabilitation related expenses. Survivor benefits must be included with disability covering $900 per month for a total of 12 months.
Uninsured or Under Insured Motorist Coverage
Uninsured or under-insured motorist coverage is also required in the state of Kansas. The minimum amount must be $25,000 for each person and $50,000 for each accident. While Kansas does fully utilize a "No Fault" insurance system, it still requires mandatory coverage for the uninsured or under-insured motorist.
Rental Car Insurance
Some insurance policies automatically insure rental cars. All cars on the road in Kansas must have insurance---if your car insurance policy does not provide that coverage, you will have to buy it directly from the rental car company.
Considerations
Insurance rates for residents in Kansas are especially affordable in comparison to the rest of the nation. The average auto insurance policy in Kansas costs just under $600 per year. The national average is over $800. Regardless of what state you reside in, your policy will be calculated by the amount of risk that you pose to the insurer.
Tags: Auto Insurance, Auto Insurance Laws, bodily injury, cover bodily, cover bodily injury, each accident, each person
