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Automobile coverage in the Sunflower state is both required by law and fairly extensive. Every policy within the state must include coverage of $25,000 for bodily injury or death to a single person, $50,000 for two people or more in a single accident, and $10,000 for property damage liability. Furthermore a person must have personal injury protection in place which can cover $4,500 per person of medical expenses, $900 per month for a year of disability or loss of income, $25 a day for any home services that may be required, $2,000 for funeral expenses, and $4,500 for rehabilitation expenses. The amount of mandatory insurance also includes $25,000 per person for uninsured/underinsured motorist protection, and $50,000 per accident.

Even though Kansas auto insurance laws require such extensive coverage, the average expenditure is estimated at only $576, making KS amongst the least expensive states for automobile protection in the nation. Because of this residents are highly encouraged to improve upon the required amounts of protection to acquire more complete coverage. One way of doing this is by raising limits, which can be done with only a slight increase in one’s premium. For example, the $10,000 property damage liability which is required by the state may not be enough to cover any extensive damage done to a newer vehicle. Raising the policy to cover more costs could end up saving an insured motorist a considerable amount of money in the event of an accident.

Additional KS Insurance

Getting the most extensive coverage possible at a manageable price is essential when operating a motor vehicle. Being involved in an accident and not being able to pay for the damages could prove to be financially troublesome. To assist in creating a completely thorough protection plan the Kansas Auto Insurance and Shopper’s Guide suggests looking into various options and additions. The most basic of these is comprehensive and collision coverage. The comprehensive portion of this policy covers damages done to the insured’s car which did not come from an automobile collision. This can include anything fire, flooding, or falling object damage, to vandalism or theft. Collision coverage pays for damages caused during an accident regardless of who is at fault.

In the event of an accident there is a chance that a policyholder’s automobile will be rendered unusable while repairs are being made. To cover the costs of having to rent a car, some motorists choose to include rental reimbursement into a policy, and doing so covers any rental charges up to the limit of the policy. The number and type of additions available is often dependent on a person’s coverage provider. Many companies offer different forms of protection, and researching what is available could end up saving a motorist from a considerable amount of money in the event of an accident.