Car Insurance in Kansas is required and the state is a no-fault state, only 1 of a dozen or so states are no-fault. With some of the best kept highways in the country, Kansas provides drivers with a quality driving experience. As the 33rd most expensive, or rather the 18th least expensive states in the US, Kansas proves that mandatory insurance and a no fault system is not the only driver behind expensive insurance states. You can enforce these systems if your roadways are up-to-date and congestion is low.
What is No-Fault?
A no-fault state does not mean that no fault is issued in accidents and that blame is not assigned. It simply means that after an accident, the individual’s insurance pays out the claim for injury coverage or property damage. If the damages are beyond the coverage of either party, it is only at this point that a civil suit could be sought against the potential perpetrator of the accident. The insurer of each party pays their own clients claim. However if these claims go beyond coverage and there is a serious injury, individuals or insurers often seek additional damages against the at-fault driver to cover the short-fall.
A serious injury within Kansas could mean any of the following:
loss of a bodily function permanently
an injury that is permanent
a disfigurement that is permanent
the breaking or fracture of a weight bearing bone
compressed, compound, displaced fracture or comminuted fracture of any bone.
If you receive any of these injuries with another driver at fault and you have exceeded your insurance coverage for damages, medical expenses or loss of wages, you can recover these damages through a civil lawsuit.
Required Insurance in Kansas
Kansas State legislatively requires its residents to carry insurance to cover a minimum range of liability and personal injury coverage. Although these minimums provide a base amount of coverage they on average would not cover all expenses in a serious accident that cause serious damage or injury. Most residents are advised to get more than the minimum.
The minimum insurance coverage requirements in Kansas are:
$25,000 of personal bodily injury liability per person, which protects third party individuals and yourself in case of an accident.
$50,000 of total bodily injury coverage in a multiple person accident
$10,000 of property damage coverage per occurrence
Uninsured or Underinsured coverage in the same $25,000 and $50,000 amounts to cover per person and total injury coverage.
The Personal Injury Protection Insurance, also required, must also cover the following per accident at a minimum:
$4,500 per person for medical expenses
$900 a month for disability or loss of income coverage
$4,500 for rehabilitation services
$2,000 for burial expenses including burial and cremation
$25 a day minimum for required in-home services for medical care
The Uninsured and underinsured coverages can be used in cases of accidents that exceed the PIP portion of coverage within your policy.
Optional insurance coverages depend on your personal situation and the state of your vehicle. Comprehensive vehicle coverage covers damage to your car in a number of situations such as theft, fire, or any event not involving a traffic accident. If you own a car newer than 5-7 years old, most owners consider comprehensive coverage necessary. Collision coverage is also a good idea for cars in this age range. As cars age, their depreciated value may not make purchasing these insurances worthwhile.
Towing and Car rental insurances provide convenience insurance for drivers that cannot be without their vehicle for any period of time.
As insurance is required in the state of Kansas, the state also has a financial responsibility law that penalizes drivers that do not meet the state’s minimum requirements. Those found not providing the minimum insurance coverages are subject to a class B misdemeanor, a monetary fine between $300-$1000 and or a jail term of not more than 6 months. Failing financial responsibility in Kansas can also result in license revocation and the requirement for a Certificate of Financial Responsibility (SR-22) required before relicensing or vehicle registration is allowed. SR-22s are required if you fail to provide proof of insurance during routine traffic stops by enforcement officers, a conviction under the Habitual Violator Statute, and failure to produce financial responsibility after an auto accident.
If you fail to provide financial responsibility twice within 3 years you could be subject to a class A misdemeanor and more severe penalties.
As a no-fault state with higher than average requirements for insurance coverages, the fact that Kansas is still in the bottom half of all states as far as insurance expense speaks to the quality of the roadways, the quality of drivers, lower population and population density and a lack of traffic congestion in the state.