KANSAS AUTO INSURANCE
The great plains of Kansas seems to go on forever. Kansas produces much of the country’s agriculture including harvesting lots of wheat and sunflowers each year. Kansas has a mild climate with the experience of all four seasons: spring, summer, autumn and winter. It is a state rich in history and politics but it still has a laid back, small town community feel.
UNINSURED OR UNDERINSURED MOTORIST
How do I get Uninsured and Underinsured car insurance coverage?
It is required by law that car insurance policies include uninsured and underinsured motorist coverage. This option will be added to the driver’s insurance policy and will cover the insured in case they are in an accident with someone who does not possess the mandated insurance required by the state of Kansas.
Auto insurance costs
Current approximate average premium is $1216
Cities
Wichita $1714
Overland Park $1587
How much UM & UIM Coverage should you get?
Kansas law insists on a minimum of $25,000 per person and up to $50,000 per accident for bodily injury. Of course, more can be purchased if the driver feels the minimum will not be enough coverage.
At Fault for Auto Accidents in Kansas
Kansas is one of the country’s no fault states. This means that the driver’s car insurance will cover accident claims regardless of who is at fault. It is more difficult to sue for damages in a no fault state but one party will not be responsible for covering all the damages.
Coverage Requirements
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $10,000 Limit
UM/UIM Bodily Injury: $25,000/$50,000 Limit
Personal Injury Protection: $4,500 Medical/$900 Loss of Work
