We have listed below several valuable sources
of information to help educate you in obtaining car
insurance in Kansas. Included are links to organizations
with helpful guides on topics such as purchasing auto insurance,
filing
claims and more.
Kansas Car Insurance Laws
Kansas uses a No-Fault insurance system. In a car accident,
each person's own insurance company pays medical expenses,
lost wages, and certain other financial losses regardless
of who caused the accident. Kansas law requires its citizens
to purchase a minimum amount of liability, personal injury
protection and uninsured, underinsured motorist coverage.
The required minimum coverages are:
Kansas auto insurance minimum liability coverage,
25/50/10:
Bodily Injury Liability $25,000 per person, $50,000 per accident;
Property Damage Liability of $10,000 per accident.
Personal Injury Protection (PIP or No-fault)
• $4,500 per person for medical expenses;
• $900 per month for one year for disability/loss of
income;
• $2000 for funeral, burial or cremation expenses;
• $4500 for rehabilitation expenses; and
• Survivor Benefits of $900/month for disability income
and $25/day in-home assistance for one year.
Uninsured/Underinsured Motorist Protection
• $25,000 per person;
• $50,000 per accident.
It is recommended that you purchase more than the minimum
required as you are responsible for the difference if you
should be held liable for amounts greater than the limits
you choose. Some companies may offer higher limits of PIP
benefits. Collision and comprehensiver are not mandated in
Kansas but lenders may require these coverages to qualify
for a car loan.
Kansas Department of Revenue
915 SW Harrison Street
Topeka, Kansas 66612
Phone: 785-296-3621
http://www.ksrevenue.org/dmv.htm
The Kansas Division of Motor Vehicles provides information
obtaining, renewing or changing the address on your Kansas
driver's license. It also maintains driving records and processes
changes to driving privileges such as restrictions, suspensions,
revocations and reinstatements. The Kansas DMV also oversees
the administration of motor vehicle registrations, issues
motor vehicle and trailer titles, maintains vehicle title
and registration records, licenses and monitors Kansas vehicle
dealers. Consumers can get all the informaiton they need for
any of the motor vehicle services, view and download forms,
publications, view the policy library and statistics.
420 SW 9th Street
Topeka, KS 66612-1678
Phone: 785-296-3071
Toll Free: 800-432-2484
http://www.ksinsurance.org
The Kansas Insurance Department website provides resource
areas for consumers on shopping for insurance. Consumers can
learn what's required for automobile insurance, getting discounts,
view Kansas Complaint Ratio report, get help buying health
insurance, life insurance, homeowners or renters insurance,
view long-term care insurance and shopper's guide. Kansas
residents can also compare insurance rates, file consumer
complaints or see how many complaints have be filed against
your insurance company, find an insurance agent or agency.
Seniors can access links to senior resources for Medicare
and read senior insurance issues. The auto insurance publication
has a helpful section to determine how much liability protection
above the minimum you should purchase to protect your assets.
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