Kansas Car Insurance

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Kansas law on insurance requires drivers who cause accidents to pay for the damages and injuries caused. To fulfill this requirement, you must insure your car. In this article, we have more information regarding Kansas Car Insurance requirements, rates, discounts, premiums and other useful information that may be helpful to you.

Kansas Car Insurance Requirements

Insurance laws in Kansas require you to purchase the following types of insurance coverage for your car:

  • Liability insurance
  • Personal injury protection (PIP)
  • Uninsured and underinsured motorist insurance.

Liability Insurance

You must purchase liability insurance for your car. This type of insurance policy helps you pay the injury and damage costs resulting from an accident caused by your car. The minimum coverage limits under liability insurance cover are:

  • $10,000 for property damage, per accident.
  • $25,000 for death or bodily injury per person
  • $50,000 for total death or injury, per accident (this is applicable on multiple victims of the said accident).

Personal Injury Protection

Kansas is considered a no-fault state. PIP covers after the cost of treatment resulting from injuries from accident. Following are the minimum requirements of a PIP cover:

  • $4,500 for medical costs per person
  • $900 per month for loss of income and disability covered for 1 year
  • $25 per day for in-home services
  • $4,500 for rehabilitation
  • $2,000 for funeral, burial or cremation expenses.

Uninsured/Underinsured Motorist

Uninsured or underinsured motorist insurance cover helps you cover the cost of treating personal injuries for drivers with no insurance cover or inadequate or insufficient insurance cover. The following are limits of Kansas uninsured/underinsured car insurance coverage:

  • $25,000 for bodily injury, per person
  • $50,000 for injuries of multiple car accident victims

Optional Car Insurance Coverage

It is a good idea to consider optional Kansa car insurance cover. They are not mandatory but they have varying benefits. Some of these optional car insurance coverages include:

  • Collision – Coverage that helps cover damages to your car as a result of accident
  • Comprehensive – Covers all damages to your car not necessarily caused by accidents.
  • Towing and labor
  • Rental reimbursement.

NOTE: Comprehensive and Collision car insurance coverages are not required by law but they are needed by your financing institution if you are paying your car finance through a loan or a lease agreement.

Car Insurance Violations

You should not dare to violate Kansas’ car insurance laws. Any violation will lead to indefinite suspension of your driver’s license.

Kansas Automobile Insurance Plan

Most car insurance companies in Kansas have a right to turn down high risk drivers having poor records of driving that result to accidents. If you are unable to find a good insurance company for your vehicle elsewhere, you may use the Kansas Automobile Insurance Plan. This body can assist you to obtain car insurance if you are considered a high-risk driver. Contact any car insurance agent in Kansas for information on how to get started.

Other Car Insurance bodies

The Kansas Insurance Department (KID) may help you if you have any issue concerning your car insurance. You can contact this department if you have any complaint or concern on insurance fraud.

Consumer Complaints

If you have any car insurance complaint, you must try to settle it with your Kansas car insurance company before reporting the matter to KID or any arbitration body. If you fail to resolve the issue with your car insurance company, you can then proceed to file a complaint at KID website. This can be done online.

Insurance Fraud

Insurance fraud causes financial burden to both car insurance companies and yourself. Any losses can trickle down to you and increase your insurance rates and premium.

  • Staging car accidents
  • Faking an injury after involving in an accident
  • Giving false personal information to your car insurance company
  • Medical professional overcharging treatment costs.

You can help fight these frauds by reporting them to your nearest local KID office or through KID website.

Determining Your Car Insurance Rates

There are several factors that determine the rates of your car insurance. These include:

  • Driving record
  • Credit history
  • Claims history
  • Age and gender
  • Zip code
  • Marital status
  • Your car’s Make and Model
  • Deductibles.

Kansas Car Insurance Discounts

If you want to get a good deal when purchasing your Kansas car insurance look for an insurance carrier that offers discounts. These are some of the discounts that most Kansas companies offer:

  • Multi-car
  • Good driver
  • Good student
  • Safety device
  • Anti-theft device.

Most Stolen Cars in Kansas

Owning a car that is a target by theft attracts higher car insurance rates. According to 2013 report from www.nicb.org, the following is a list of automobiles that are targeted for theft in Kansas:

  1. Chevrolet Pickup (Full Size)
  2. Honda Accord and Ford Pickup
  3. Dodge Caravan and Honda Civic
  4. Dodge Pickup (Full Size)
  5. GMC Pickup (Full Size)
  6. Chevrolet Pickup (Small Size)
  7. Jeep Cherokee/Grand Cherokee
  8. Chevrolet Impala.