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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 uninsured 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
People also ask
Do I need uninsured motorist coverage if I have collision and comprehensive?
Yes, you need uninsured motorist coverage even if you have collision and comprehensive coverage. Collision insurance will pay to repair your vehicle if you’re hit by an uninsured driver, but it won’t pay for any of your medical expenses, and comprehensive insurance won’t cover your costs at all after a collision. Comprehensive insurance only pays for repairs if your car is damaged by something other than a collision, such as vandalism or a natural disaster. And you...
read full answerWhat is the cost of uninsured motorist coverage?
Uninsured motorist coverage costs around $50-$75 annually for bodily injury and property damage coverage. Uninsured motorist coverage (UM) protects the policyholder by paying for injuries or damage resulting from a car accident caused by a driver who doesn’t have enough insurance.
Like any type of car insurance, uninsured motorist premiums vary based on the policyholder’s risk factors. How much coverage you purchase will also affect the cost of UM. Similarly, uninsured motorist premiums are...
read full answerShould I reject uninsured motorist coverage?
No, you should not reject uninsured motorist coverage unless you have collision insurance and enough medical coverage to pay for your expenses after an accident caused by an uninsured driver. Drivers can reject uninsured motorist coverage in states where it is optional but still has to be offered by insurance companies. For instance, drivers in California, Florida, and Texas can legally reject uninsured motorist coverage. In 21 other states, including New York and Illinois, uninsured motorist...
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