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• KS Auto Insurance

Compare Quotes from Kansas Auto Insurance Companies

Comparing Your Auto Insurance Policy

At autoinsuranceplanners.com, we provide the resources for finding the lowest possible rates available in Kansas. It’s important to get the right coverage for your situation at the most affordable price. Finding the best coverage at the lowest rates possible requires comparing the most competitive companies in you’re area. Get free auto insurance quotes in Kansas or learn more information below about coverage requirements for the state of KS which may help you during your vehicle policy decision making.

Auto Insurance Coverage

An auto insurance policy consists of several different coverage types. Each one protects you against different types of losses. The six basic coverages are Bodily Injury Liability, Property Damage Liability, Personal Injury Protection (PIP or No-fault), Uninsured/Under insured Motorist Protection, Collision, and Comprehensive:

• Bodily Injury Liability – pays for the other person’s medical expenses, rehabilitation, funeral costs, and other covered costs, if you or your family are at fault in an auto accident. It also pays for settlement of lawsuits and your legal expenses.
• Property Damage Liability – pays when you or your family members damage other property in an accident. It pays for repair, replacement, or cash value of the other owner’s property. It also pays for your legal expenses.
• Personal Injury Protection (PIP or No-fault) – pays for 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/Under insured 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, under insured 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.

Kansas requires you to have four of the six coverages listed about including Bodily Injury Liability, Property Damage Liability, Personal Injury Protection (PIP or No-fault), and Uninsured/Under insured Motorist Protection.

What are the Insurance Coverage Requirements in Kansas?

How to read car insurance liability limits

Liability amounts are written as three numbers separated by slashes.

• First number: bodily injury liability maximum for
  one person for injuries you caused to the other party
• Second number: bodily injury liability maximum for all injuries in one accident
• Third number: property damage liability maximum for one accident

Minimum Coverage limits

Kansas law mandates that every automobile insurance policy sold in the state must have these minimum coverages:

Liability coverage:

• $25,000/person for bodily injury
• $50,000/accident for bodily injury
• $10,000/accident for property damage

Personal injury protection (PIP or No Fault):

Minimum amount required by law –

• $4,500/person for medical expenses
• $900/month for one year for disability/loss of income
• $25/day for in-home services
• $2,000 for funeral, burial or cremation expense
• $4,500 for rehabilitation expense

Survivor Benefits -

• Disability/loss of income up to $900/month for one year
• In-home services up to $25/day for one year

Uninsured/Under insured –

• $25,000/person
• $50,000/accident

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