In Kansas, the law mandates that drivers procure a minimum level of car insurance. While you can augment coverage to meet your requirements, it’s essential to always ensure a basic coverage level. Driving without insurance in Kansas constitutes a misdemeanor and can lead to fines, suspension of your license or vehicle registration, or even incarceration.
Essential Insurance Requirements
Three types of auto insurance are necessary to drive in Kansas. Firstly, liability coverage, which covers bodily injury and property damage for third parties impacted by your vehicular accident. Secondly, uninsured/underinsured motorist coverage, which compensates you in case you’re involved in an accident where the other party is uninsured or lacks the legally required auto insurance coverage. Lastly, you’ll need personal injury protection (PIP) coverage. PIP insurance covers medical expenses, rehabilitation expenses, loss of income, and care services at home. It should also cover a minimum of $2,000 in funeral expenses per individual.
It’s worth noting that Kansas operates as a "no-fault" state. This implies that you’ll need to pay up to your policy limit for your medical expenses, regardless of who caused the accident. However, if the other party was at fault, you can claim compensation from the at-fault party once their PIP coverage limits are exhausted.
Reach Out to Midwest Professional Insurance for Further Information
Midwest Professional Insurance specializes in addressing the insurance needs of Kansas drivers of all age groups and backgrounds. Contact us for more information about your policy choices or to secure a quote on a basic policy.
