Kansas Car Insurance
With today's competitive market for car insurance, finding the right policy can be stressful.
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Understanding Kansas Car Insurance
Am I required to purchase Kansas car insurance?
If you are a Kansas motorist, you are required by law to carry Kansas car insurance. Kansas law requires the following types of coverage:
Bodily Injury Liability
Provides coverage for medical expenses and other covered costs if you are responsible for injuring another person in a car accident.
Property Damage Liability
Provides compensation if you damage public or personal property in a car accident.
Personal Injury Protection (Kansas No-Fault)
Provides coverage for medical expenses, funeral expenses and other lost wages for you and your passengers injured in a car accident, regardless of who was at fault.
Uninsured/Underinsured Motorist Protection
Provides coverage for expenses associated with injury caused by an uninsured or underinsured motorist.
Minimum coverage amounts for each facet of Kansas car insurance are rather detailed. For more on the minimum coverage amounts, ask your agent or contact the Kansas Department of Insurance at (800) 432-2484, or visit them on the Web.
What if I'm unable to obtain Kansas car insurance?
If you have been turned down by at least three Kansas car insurance companies, you may purchase coverage through the Kansas Automobile Insurance Plan (KAIP).
KAIP is a form of high-risk insurance for those who cannot obtain Kansas car insurance in the regular market. You may purchase KAIP through any licensed Kansas car insurance agent.
What factors determine my Kansas car insurance premium?
Your Kansas car insurance premium may be determined by some or all of the following factors:
Your Driving Record. Insurers use this to determine your risk. If you have been involved in many accidents, received many tickets or submitted many claims, your risk will increase—and so will your premium.
Where You Live. Urban areas are more prone to accidents and theft than rural areas. This could be reflected in your Kansas car insurance premium.
Type of Car You Drive. Insurers realize you are more likely to get a speeding ticket in a Ferrari than a mini van. Thus, you will want to find out how much your insurance will cost you before buying a new car.
Your Gender and Age. Statistics have shown that young, single males are more likely to cause a car accident. Insurers rely on such statistics to determine the premium for your Kansas car insurance.
What if I still have questions about Kansas car insurance?
The Kansas Department of Insurance is a reliable source of information for consumers. You may contact them at (785) 296-3071, or toll free in the state of Kansas at (800) 432-2484.
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