Kansas Auto Insurance - (KS)

Drivers across the country have auto insurance. But policies vary from state to state, depending on your jurisdiction’s laws and your comfort level on the road. All drivers should know what their individual state’s regulations are, as requirements about mandatory liability coverage, required documentation and coverage can be different in every state. Make sure you receive competitive quotes when investigating a new policy, and read over the quote before agreeing to it. Also, make sure you have enough coverage to provide peace of mind while you’re on the road.

Auto Insurance Regulations in Kansas

All drivers in Kansas are required to carry auto insurance that meets the state’s minimum requirements. Kansas is a “no fault” state, which means no matter who caused the accident, your insurance policy will cover any injury claims that stem from the accident. In Kansas, drivers must carry two kinds of coverage: liability, personal injury, and uninsured/underinsured.

• Liability coverage is required in Kansas. Your policy must provide at least $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 per accident for property damage.
• Personal injury coverage also has required minimums. In Kansas, all drivers must have policies which cover $4,500 per person for medical expenses, $900 per month for a year of disability or loss of income, $25 a day for in-home services, $2,000 for funeral, burial or cremation fees, and $4,500 to cover rehabilitation expenses.
• Uninsured/underinsured coverage coverage also is mandated. Your policy must cover $25,000 per person and $50,000 per accident for uninsured and underinsured drivers.
• While these are the mandatory minimums most experts agree that these amounts are just the starting point for drivers. Most drivers should carefully consider whether these amounts will provide enough coverage. In fact, most insurance experts say that property damage liability insurance of $1 million is much more appropriate than just the required $10,000. You might be surprised at how affordable the difference between the two coverage levels is. Be sure to ask your insurance company for a comprehensive quote.

Consumer Tips

Insurance is one of the biggest expenses we encounter throughout the year, but there are strategies you can employ to save money. If you have another insurance policy, such as another auto insurance policy for your spouse, or a homeowner or renter policy, you could save money overall by combining your policies with one carrier. Be sure to ask whether this is a possibility. If you have a good driving record, your premiums will be lower than drivers with poor records. This is also the case with your credit record: Paying your bills on time is one of the easiest ways to keep your credit score high. Make sure you receive a competitive quote before settling on any one policy. Finding several insurance companies that can give you a quote means you’re getting a fast market analysis, and are ensuring you’re getting the most coverage for your money.

Department Of Kansas (KS) State Government That Regulates Auto Insurance:
Web Site: www.ksinsurance.org
Email: commissioner@ksinsurance.org
How To Contact Directly:
Kansas Dept. of Insurance
420 SW 9th St.
Topeka, Kansas 66612-1678
Phone: 1-785-296-3071
Toll-free: 1-800-432-2484
(In-state) Fax: 1-785-296-2283

Kansas (KS) Mandatory Auto Insurance Minimums

• Liability: 25/50/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
• Other Mandatory Insurance: Personal Injury Protection, Uninsured Motorist -- No Fault State
• Regulations Regarding Proof of car insurance: Proof Required - When Obtaining Registration, If Involved In An Accident, If Stopped By Authorities When Driving
• Penalties For Not Carrying Mandatory Insurance: Fine up to $1000 fine plus jail term up to six months

How To File A Complaint About An Insurer:

Online Form For Filing A Complaint Complaints about insurance can be sent to the proper authorities at the Kansas Department of Insurance.