Yes, uninsured motorist coverage is required in Kansas. Uninsured motorist (UM) insurance covers a driver’s liability claims (bodily injury and property damage) after an accident, if the other driver doesn’t have enough coverage to pay for the damage.
If the other driver is uninsured, getting the funds can be time-consuming or nearly impossible. That’s where uninsured motorist coverage can help. It enables drivers to immediately pay their bills and get the repairs or treatment they need without waiting for the courts.
Even though car insurance is required in Kansas, an average of 7% of drivers on Kansas roads don’t have car insurance. Car accidents in the state can be extremely expensive, too. For example, fatal accidents in Kansas have a total cost of $449 million each year. That makes uninsured motorist insurance a smart investment for Kansas drivers.
Key Facts About Uninsured Motorist Coverage in Kansas:
Uninsured Drivers on the Road: 7%
Crashes per Year in the U.S.: 6 million
Average Damages per Accident with No Injuries (U.S.): $8,900
Twelve states require PIP insurance, also known as personal injury protection. Some of the biggest PIP states are Florida, Pennsylvania and New York. All twelve of the PIP states are “no-fault states.” PIP coverage is also available, but optional, in 8 additional states, plus Washington, D.C.
(plus a $2,000 burial benefit or up to $10,000+ for care/lost wages)
$10,000 per person, per accident
$2,000 per person*
$8,000 per person, per accident
(drivers who receive Medicaid can opt out as of July 2020)
($50,000 per person starting July 2020)
$40,000 per person, per accident
$15,000 per person, per accident
(up to $250,000 for certain life-altering injuries)
$50,000 per person
(plus a $2,000 death benefit)
$30,000 per person
$15,000 per person
$5,000 per person, per accident
$2,500 per person
(plus up to $100/week for lost wages for up to 12 months, in some cases)
$10,000 per accident
$50,000 per person
(plus $12,000 per person for lost wages and $4,000 for funeral expenses)
*Reflects this state’s minimum coverage required for medical payments, not PIP specifically. In New Hampshire, this minimum only applies to drivers who decide to purchase coverage.
PIP insurance covers medical expenses for you and your passengers after an accident, no matter who is at fault. These expenses include ambulance fees, medical and surgical treatments, and prescriptions. PIP can also reimburse you for lost wages, home care expenses, and even funeral expenses.
Car insurance follows the car, not the driver, in most cases. There are a few situations where car insurance follows the driver, though, such as when the car’s insurance limits are exceeded, in which case the driver’s coverage can be used to fill in the gaps. There’s also some disparity from company to company – your policy might provide less coverage for other drivers, or even no coverage at all.… read full answer
It’s advisable to review your insurance policy before letting someone else drive your car. It also helps to ask if the other driver has insurance before they get behind the wheel in your vehicle. And don’t forget to confirm coverage before you drive someone else’s car, too.
The driver’s insurance usually plays a (small) role
In most situations, the driver’s insurance plays a role regardless of whose car they are driving and who caused the accident. That is true regardless of whether a state has at-fault or no-fault laws because no-fault insurance only applies to medical payments. So fault still matters for property damage, at least, and the at-fault party needs to pay up.
However, the driver’s insurance can end up being negligible. If you are insured and you cause an accident in a friend's car, the primary coverage is their insurance, not yours. Instead, your car insurance is the secondary source of coverage. If your friend's coverage is exceeded by the collision, your insurance picks up the slack.
Uninsured drivers depend solely on the car's coverage
If you don’t have insurance and you drive your friend's car, your friend is on the hook for whatever damage you cause. But if the damage exceeds your friend’s insurance coverage, the other driver(s) could sue you and your friend, who also could sue you to cover his or her share!
This is assuming your friend gives you permission to drive. If you don't have permission to drive someone's car, insurance gets a little more complicated.
Permission matters - but it's hard to prove.
If a friend with no insurance takes your car without permission and crashes it, you're liable for the damage they cause. That’s because it’s very difficult to prove you didn't give your friend permission to use your car. And in situations where you let your uninsured friend use your car, your insurance needs to cover any damage they cause.
However, the responsibility can fall on the friend who takes your car if they have their own car insurance. If they cause damage in that situation, their insurance policy would be the primary coverage, while yours would be secondary – again, as long as you can prove that you did not give them permission to use your car. In that case, your insurance would only need to kick in to cover gaps in their insurance policy, or if their insurance maxed out before the damage was covered fully.
If it’s not a friend who takes your car, things are different. Should someone steal your car, you're generally not liable for the damage they cause to others' property. But you need your own insurance for repairs to your vehicle if they vandalize it.
Check your policy to see who and what is covered.
Keep a copy of your car insurance information in your car, in case you're not there when an accident occurs.
Make sure your friends have a valid driver's license and car insurance before you let them drive your vehicle.
Add people you live with to your car insurance, as well as other people who use your car regularly.
If you don’t own a car, you can get non-owner car insurance to make sure you’re covered when you drive someone else’s vehicle.
The best ways to lower car insurance costs are to compare prices among insurers, take advantage of all the discounts you can, and adjust your coverage to fit your budget. While some factors that affect prices can’t be easily changed—like, age, gender, location, and career—others can be. For example, you might be able to save 33% to 50% on your premiums just by switching to a cheaper carrier, according to WalletHub’s research.… read full answer
With the average cost of car insurance at more than $3,900 per year, it’s important to look for savings opportunities wherever they can be found. Here are some easy ways to lower costs plus some that take a little more work.
8 Tips for How to Lower Car Insurance Costs:
1. Shop around
Insurance companies charge different rates for the same coverage. They also treat the factors that go into your rate (driving history, age, credit history, etc.) differently. Finding the company that is best for the kind of driver you are can save you a lot.
When you shop for insurance, you should always get 3 or more quotes to compare. And be aware that prices change within the industry. You can maximize your savings by comparison shopping every 6 to 12 months, when your policy is about to renew.
2. Search for discounts
Every major insurer gives discounts. Look through all the ones your company offers to make sure you are getting what you qualify for. For instance, you might be able to save money if you:
Bundle policies—save up to 25% for having your auto, home, health and/or life insurance policies with the same company.
Auto-pay or pay upfront—having your premiums automatically deducted from your checking account or paying your entire premium in one payment can save you 5% on your total premium.
Go paperless—view and pay your bill online for 3% off.
Take a defensive driving course—and save up to 10%. Some companies restrict this discount to certain groups, such as seniors.
Maintain a “B” average—if you’re still in school, keeping your grades up can earn you 15% to 25% off your premiums.
Inventory your car’s equipment—anti-theft systems or safety equipment (anti-lock brakes, airbags, daytime running lights, etc.) can reduce collision or comprehensive costs by 5% to 25%.
Think about all your groups—working for certain employers or belonging to certain clubs, alumni associations, professional organizations, social groups or charitable groups can offer savings of up to 25%.
Stay safe—avoiding at-fault accidents and moving violations for at least five years will reduce your bill by up to 20%.
3. Increase your deductibles
Increasing your deductibles will definitely reduce your premiums. Going from $200 to $500 could reduce the cost of your collision and comprehensive coverage by up to 30%. Going from $200 up to a $1,000 deductible could save you 40%. But be careful. If you get into an accident, you don’t want to face paying more out-of-pocket than you can afford.
4. Reduce your coverage
There are two ways to do this. You can lower the limits on your coverage. Or you can eliminate unnecessary types of coverage. Maybe you don’t really need rental car coverage, for example. Comprehensive coverage on an old, low-value car may not be worth the cost, either.
5. Reduce your mileage
How far you drive each year affects your insurance costs. Think about carpooling to work, riding your bike locally, or taking the bus. Driving less than 10,000 miles a year could save you 11% on average.
As an alternative, the electronically monitored, mileage-based insurance offered by some carriers allows you to pay only for the number of miles you drive in a month. You can earn deep discounts. State Farm says that drivers who log relatively few miles in its program save as much as 50% on their insurance.
6. Buy an insurance-friendly car
Luxury cars, sportscars and cars with high theft rates can cost up to 3 times as much to insure as cheaper, less risky vehicles. Before you buy, get a quote on insuring your new car and think about whether that’s in your budget.
7. Improve your credit
In most states, insurance companies take your credit history into account in setting your rates. Improving it can reduce your premiums. People with no credit pay 67% more for car insurance than people with excellent credit, on average, according to a recent WalletHub study.
8. Move to another city or state
You probably won’t plan a move just to save on insurance, but the area you live in significantly affects your rates. Less densely populated neighborhoods with fewer cars and less crime put you at lower risk for accidents, theft, and collisions with injuries. Local weather and road maintenance also factor into your rates.
If you are serious about lowering the costs of car insurance, your first step should be compare the price of your current insurance to quotes from several other companies. It’s also important to visit the website or call the customer service department of your current insurer and make sure you know all the ways you can save with them. Lastly, remember to repeat these steps regularly, at least once a year. Otherwise, you could be throwing money away without knowing it.
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