Kansas Auto Insurance

By law, you are required to have a minimum amount of Kansas auto insurance. This is to protect all drivers from the financial perils that can affect them if they are in an accident. Without insurance, you would be fully liable to pay all damages you cause. This could end up costing several thousands of dollars! You are required to have property damage liability insurance, bodily injury liability insurance and uninsured motorist insurance.

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• Property Damage Liability Insurance - You are required to have a minimum amount of property damage liability insurance. This will cover all damages you cause to others property up to a set amount. Any damages over this amount will not be covered by your insurance and will be your responsibility to cover. You are required to have at least $10,000 of property damage insurance. You can increase this amount to fully protect yourself, which is recommended. Remember that this does not protect against damages to your own car! For that coverage, you will need collision and comprehensive coverage.
  


• Bodily Injury Liability Insurance - You are also required to have $25,000 of personal injury liability insurance per person and $50,000 per accident. This insurance protects against bodily injury and pain and suffering. Kansas is a no-fault insurance state, so every driver must have personal injury protection insurance as well, which covers medical costs to them. This ensures that in the event of an accident, no matter who is at fault, everyone is fully covered.
• Uninsured Motorist Insurance - Lastly you are required to have uninsured motorist insurance as well. This insurance will protect you in the event of an accident with a motorist who is uninsured. Your insurance will cover all damages and injuries he causes. Without this insurance you would have to sue the uninsured driver, which takes time, money, and can be very frustrating, since once you win a verdict, it still doesn't ensure that you will see money!

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