Many people who live in Kansas wonder whether auto insurance is required, and if so how much coverage they have to maintain. The auto insurance in Wichita KS requirements are quite straightforward: all people who live in Kansas must maintain certain types of auto insurance coverage. The three types of coverage needed are liability insurance, personal injury protection insurance, and underinsured/uninsured motorist insurance.
Liability Insurance in Kansas
Liability insurance is designed to pay for damages to other drivers when an accident is caused by the liability policy holder. The state of Kansas requires Wichita residents to maintain $25,000 in per person bodily injury coverage, $50,000 in total bodily injury coverage (applies when more than one person is injured,) and $25,000 for property damage coverage to the vehicle and vehicle contents.
Personal Injury Protection Insurance in Kansas
Personal injury protection insurance is designed to pay for injuries to the policy holder, even if the injury was their fault. The state of Kansas requires drivers to maintain $4,500 for medical costs for one person, $900 a month (up to 12 months in total) for disability and associated lost income, $25 daily for care in the home, $2,000 for funeral related costs, and $4,500 for physical therapy and other rehabilitation costs.
Uninsured/Underinsured Motorist Coverage in Kansas
Uninsured/Underinsured coverage is designed to pay for injury sustained in an accident in which the other driver isn’t insured or has inadequate coverage. This usually means that the driver who is at fault for the accident either has no insurance or they don’t have enough liability coverage to pay for the damages they caused. The amount of uninsured/underinsured coverage required in Kansas is $25,000 on a per-person basis and $50,000 on a per-accident basis (when more than one person is injured.)
The Optional Types of Coverage for Kansas Drivers
There are several kinds of coverage that aren’t legally required, but they are highly recommended in most cases. These coverage types include collision coverage, which covers damage during any type of collision, and comprehensive coverage, which includes situations like vehicle theft. To learn more about Auto Insurance in Wichita KS, consider contacting Andy Woodward Insurance today.
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