If you\u2019re ever in a car accident and found to be at fault, having the right insurance can help you to avoid a financial catastrophe by paying for damage to the other vehicle(s) and for the victims\u2019 medical expenses. Because this is so important, in Kansas, car insurance is required by law for all drivers.<\/p>\n
Since insurance is a requirement, it\u2019s helpful when you\u2019re shopping for a new policy to know just what the requirements are. Even though any reputable agent will point you toward policies that meet Kansas insurance regulations, you would be wise to familiarize yourself with these rules so that you can select the best policy for your needs. So let\u2019s review what you\u2019re required to have.<\/p>\n
One of the most important functions of an auto insurance policy is to pay for other drivers\u2019 expenses in the event you\u2019re at fault in an accident. That\u2019s the purpose of liability coverage, and here are the state\u2019s minimum requirements:<\/p>\n
Kansas is different from many states, in that it is a no-fault<\/em> state. This means that, regardless of who\u2019s at fault in an accident, your own injuries are covered by your personal injury coverage. In the event that your medical expenses from your injuries exceed the amount that your policy covers, the excess may be covered by the other driver\u2019s liability coverage if that driver is the one at fault.<\/p>\n Kansas requires you to be covered for at least these minimums:<\/p>\n What happens if you are hit by a driver who doesn\u2019t have insurance or who has too little coverage for your injuries? That\u2019s the purpose of uninsured\/underinsured motorist coverage. You are required to be covered for at least $25,000 per person for bodily injury with at least a $50,000 maximum per accident.<\/p>\n In Kansas, you won\u2019t be able to register or re-register your vehicle without the minimum insurance coverage in place. Driving without insurance is a Class B Misdemeanor, and you face the following penalties if you are caught:<\/p>\n The penalties increase with the second offense:<\/p>\n If you\u2019re caught driving without insurance for a third time or more, here is what you can expect:<\/p>\n All offenses will require filing an SR-22. Kansas requires this form to be filed by the insurance company with the state, as proof that you have at least the minimum required insurance. In addition to driving without insurance, it can also be required for a DUI or DWI conviction, or for refusal to take a breathalyzer test.<\/p>\n You can see that in Kansas state, insurance is taken seriously and it doesn\u2019t pay to be caught driving without it. Fortunately, as you\u2019re shopping for a new policy you might notice that in Kansas, auto insurance quotes come in a bit lower than in many states. Rates aren\u2019t the lowest in the country, but relatively speaking, cheap car<\/a> insurance in Kansas is available. That said, when it comes to cheap auto insurance, Kansas residents should keep in mind that the cheapest policy might not be the best for you. Now that you\u2019re aware of what\u2019s required, you are a better informed shopper who\u2019s prepared to find the right policy for your needs and budget.<\/p>\n\n
Uninsured Motorist<\/h3>\n
What If You\u2019re Caught Driving Without Insurance?<\/h2>\n
First Offense<\/h3>\n
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Second Offense<\/h3>\n
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Third and All Subsequent Offenses<\/h3>\n
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