Even though Kansas only requires 25/50/25 in liability insurance, drivers should consider buying more coverage if they can afford it. If you cause an accident that results in damage beyond your policy limits, you will be personally responsible for paying the difference. And no matter what, you should be sure to fulfill the minimum Kansas car insurance requirements to avoid facing consequences for driving without insurance.
Finally, drivers should also consider purchasing other types of car insurance in order to better protect themselves, given that liability insurance does not provide any coverage for the policyholder’s own injuries or property. For instance, collision insurance covers damage to the policyholder’s car regardless of fault. And comprehensive insurance pays if the policyholder’s vehicle is damaged by something besides an accident, like a natural disaster or vandalism.
You need enough liability insurance to cover the full value of your assets. Your bodily injury liability coverage should be as much as your net worth, while your property damage liability insurance can be slightly lower since property damage claims are usually less expensive. Purchasing enough liability insurance to cover the value of your assets protects you from financial ruin if you cause a serious car accident.… read full answer
When to Carry Only the Minimum Liability Coverage
Although almost every state requires drivers to carry liability insurance, the minimum coverage is not always enough to cover the cost of an accident. It’s always best to carry as much liability coverage as you can afford, especially if you have a high net worth.
If you don’t have many assets or think the risk is worth it, you might be comfortable with carrying only the minimum coverage. But no matter what, make sure you’re carrying enough insurance to comply with state law and avoid paying fines for driving uninsured.
Liability Limits on Auto Insurance
Liability limits on auto insurance are the maximum amount that your insurance company will pay for injuries and property damage in accidents that you cause. Liability limits are typically written as three numbers divided by slashes.
For example, Arizona’s liability coverage requirements are 50/30/10. That means drivers need to carry $50,000 in bodily injury liability coverage per person, $30,000 in bodily injury liability coverage per accident, and $10,000 in property damage liability coverage overall.
Why You Need More Liability Insurance Than the State Minimum
Your insurance company will never pay for anything beyond the limits of your policy. Using the Arizona example, if you cause an accident that leads to $70,000 in medical bills for the other driver, you will have to pay for $40,000 if you are only carrying the minimum insurance required. And if you can’t afford to pay the full amount, the other driver can sue, and you can have your assets seized or wages garnished to cover the remainder.
Yes, uninsured motorist coverage is required in Kansas. Drivers in Kansas are required to carry $25,000 in uninsured motorist bodily injury (UMBI) coverage per person ($50,000 per accident), as well as $25,000 in underinsured motorist bodily injury coverage per person ($50,000 per accident). Kansas does not require drivers to have … read full answeruninsured motorist property damage (UMPD) insurance, however.
Uninsured motorist insurance covers the policyholder’s expenses after an accident if the other driver doesn’t have insurance or doesn’t have enough coverage to pay for the damage. UMBI pays for the policyholder’s medial bills, while UMPD pays to repair or replace their vehicle. Instead of UMPD, drivers in Kansas can use collision insurance, which covers repairs after any car accident.
How Uninsured Motorist Coverage Works in Kansas
Normally, a Kansas driver can collect damages from the at-fault driver’s liability insurance after an accident. However, if the other driver is uninsured, getting compensation can be time-consuming or nearly impossible. That’s where uninsured motorist coverage can help. Instead of having to file a lawsuit, you can file a claim with your own insurance company in order to pay your bills and get the repairs or treatment you need without waiting for the courts.
Even though car insurance is required in Kansas, an average of 7% of drivers in the state don’t have car insurance. Car accidents in Kansas can be extremely expensive, too. For example, fatal accidents in Kansas have a total cost of $571 million each year. As a result, uninsured motorist insurance is a smart investment for Kansas drivers.
Key Facts About Uninsured Motorist Coverage in Kansas:
Uninsured Motorist Bodily Injury Coverage: $25,000 per person and $50,000 per accident
Underinsured Motorist Bodily Injury Coverage: $25,000 per person and $50,000 per accident
Uninsured Drivers on the Road: 7%
Total Annual Cost of Fatal Accidents: $571 million
Yes, personal injury protection (PIP) is required in Kansas. Drivers in Kansas are required to have at least $4,500 in PIP insurance for medical expenses, plus additional categories of coverage for especially serious accidents.
Personal injury protection helps ensure that everyone on the road in Kansas has some financial assistance for medical payments in the event of a collision. Drivers in all no-fault states are required to have it because they are restricted in terms of when they can sue another driver for compensation after an accident. That means PIP coverage is their first line of defense if they face hospital bills or a long recovery from an injury.
Car insurance usually costs more in states that require PIP, and Kansas is no exception. Kansas drivers pay an average of $1,016 per year. Car insurance in Kansas is relatively low due to its low population density.
Compare that to car insurance in Mississippi, which costs about $1,284 per year. Car insurance in Mississippi is fairly average, balanced by low population density and a high rate of uninsured drivers (which drives up costs). Insurance in Kansas is relatively a little less expensive as a result.
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