What is Auto Insurance?
When you buy an auto insurance policy, you are buying several specific coverages. Each coverage protects you against a different type of loss. A brief description of the six basic coverages is provided here.
Bodily Injury Liability Coverage – Pays for the other person’s medical expenses, rehabilitation, funeral costs, and other covered costs in a traffic accident if you or your named insureds are at fault. It will also pay for a settlement of a lawsuit if one is brought against you and for your legal expenses.
Property Damage Liability Coverage – Pays when you or your named insureds damage someone’s property in an auto accident. This coverage pays for the repair, replacement, or cash value of the other owner’s property. It will also pay for your legal expenses if litigation is brought against you or your named insureds.
Personal Injury Protection (PIP or No-fault) – Pays for the medical expenses, rehabilitation, funeral expenses, lost wages, and in-home assistance for you and your passengers injured in an accident, regardless of who is at fault. Passengers who own their own cars collect under their policy.
Uninsured/Underinsured Motorist Protection – Pays you or your passengers for medical, rehabilitation, and funeral costs. It also pays settlements of lawsuits resulting from an accident caused by an uninsured, underinsured, or hit-and-run motorist. You and your family are covered as pedestrians or when riding your bike.
Collision pays for the repair of your car in a collision or rollover.
Comprehensive pays for damage to your auto resulting from windstorm, fire, hail, etc. Comprehensive car insurance coverage pays for damage or loss to your car that results from causes other than collision. Most comprehensive coverages reimburse you for losses in situations such as hail, wind, fire, vandalism, theft, damage caused by falling objects like trees or debris, and other incidents like hitting a deer.
PLEASE NOTE THAT BODILY INJURY, PROPERTY DAMAGE, PERSONAL INJURY PROTECTION, AND UNINSURED/UNDERINSURED LIABILITY ARE MANDATED COVERAGES BY THE STATE OF KANSAS.
COLLISION AND COMPREHENSIVE COVERAGE ARE OPTIONAL.
The State of Kansas law mandates that every automobile insurance policy sold in the state must have these minimum coverages.
- $25,000/person for bodily injury
- $50,000/accident for bodily injury
- $25,000/accident for property damage
- Personal injury protection (PIP or No-Fault)
Minimum amount required by Kansas law:
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- Bundle – Auto/home insurance on the same policy or with the same company
- Multicar – Two or more cars on a policy
- Driver Education Courses
- Good student for drivers under age 25
- Mature driver (between 50 and 65 years of age)
- Anti-theft devices
- Low Mileage Driver
- Clean driving record
- Accident-free record
- Motor Vehicle Accident Prevention Course
Click here to fill out our Kansas Auto Quote Form
For more information visit https://insurance.kansas.gov/
Affordable Auto Insurance For The Entire State of Kansas, including:
Wichita, Overland Park, Kansas City, Olathe, Topeka, Lawrence, Shawnee, Lenexa, Manhattan, Salina, Hutchinson, Leavenworth, Leawood, Dodge City, Garden City, Derby, Pittsburg, Prairie Village Galena, Riverton, and Baxter Springs.
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