Kansas Car Insurance
Car Insurance » Kansas
The state of Kansas requires a few different types of minimum car insurance coverage for their drivers. Unlike many states that simply require liability insurance, Kansas also requires no-fault insurance and uninsured/underinsured motorist coverage. The liability coverage is in line with what many other states require--$25,000 per person bodily injury (with a maximum of $50,000 per accident) and $10,000 for property damage. If anything, the $10,000 seems a little low compared to other states.
The no-fault personal injury protection (PIP) is not as common as liability insurance as a requirement and it covers a host of expenses related to a personal injury from a car accident. There is coverage for everything from lost wages to burial expenses. The uninsured/underinsured motorist coverage is required so that if someone gets into an accident with someone else who doesn't have insurance, they will still get up to $25,000 bodily injury coverage per person.
Bear in mind that state-required minimums are just that--minimums. If you cause an accident that does more damage or inflicts more injury than those minimums will cover, you could find yourself financially responsible for the rest of the damages. If you don't have an extra $50,000 lying around to pay out for medical expenses and car repairs, you would probably be wise to add some additional insurance coverage.
What if you choose not to obey the law and get auto insurance while driving in Kansas? If you are caught driving without the required minimum of coverage, you will be charged with a class B misdemeanor. This carries a fine between $300 and $1,000 and/or jail time of up to six months. If you don't learn your lesson and get caught in violation again within three years, it's a class A misdemeanor with a fine of $800 to $2,500 and there is still a possibility of jail time. When you add up the costs, auto insurance looks like the best deal in town.
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