No-fault insurance is a type of insurance designed to minimize frivolous lawsuits. Essentially in a true no-fault car insurance state, when someone is injured in a car accident, their own car insurance covers bodily injury expenses first, regardless of who is at fault. For this reason personal injury protection must be carried. Kansas has also put in place monetary restrictions on lawsuits arising from car accidents as a part of its no-fault insurance.
Mandatory Coverage for Kansas Car Insurance Quotes
Even though the state has true no-fault auto insurance, there is still a variety of mandatory minimum required coverage types. The minimum amounts of coverage needed to be carried in Kansas for liability include:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident in total
- $10,000 property damage per accident.
Mandatory PIP or personal injury protection provides you with the medical coverage you need for the no fault portion of your car insurance, in case you are injured in an accident. Uninsured motorist coverage is also mandatory despite the fact that Kansas is one of the lower ranked states in terms of estimated uninsured motorists. It is actually 39th with only 9.8% of drivers estimated to not carry insurance coverage. The state requires drivers to carry uninsured motorist coverage in the amounts of $25,000 per person and $50,000 per accident for bodily injury.
Additional Coverage to Include on Kansas Car Insurance Quotes
While the state of Kansas does require minimum levels of coverage, the majority of industry professionals recognize that these levels are insufficient. Consequently most recommend liability limits of $100,000 bodily injury per person, $300,000 bodily injury per accident and $100,000 property damage per accident.
Many drivers will also want to include personal property damage coverage for their Kansas car insurance quotes. If your vehicle is financed, the company which holds the lien will actually require you to carry collision and comprehensive coverage. If you do not owe on your vehicle you may still want to carry collision and comprehensive coverage in order to protect yourself, especially if the vehicle's value is still high enough that major damage or destruction would prove to be financially inconvenient for you. Kansas drivers may also want to carry coverage such as towing and labor and rental car reimbursement with their full coverage policies.
Get your Kansas car insurance quotes today.
