Kansas Auto Insurance - (KS)

Auto Insurance Regulations in Kansas

All drivers in Kansas are required to carry auto insurance that meets the state’s minimum requirements. Kansas is a “no fault” state, which means no matter who caused the accident, your insurance policy will cover any injury claims that stem from the accident.

In Kansas, drivers must carry two kinds of coverage: liability, personal injury, and uninsured/underinsured.

• Liability coverage is required in Kansas. Your policy must provide at least $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $10,000 per accident for property damage.
• Personal injury coverage also has required minimums. In Kansas, all drivers must have policies which cover $4,500 per person for medical expenses, $900 per month for a year of disability or loss of income, $25 a day for in-home services, $2,000 for funeral, burial or cremation fees, and $4,500 to cover rehabilitation expenses.
• Uninsured/underinsured coverage coverage also is mandated. Your policy must cover $25,000 per person and $50,000 per accident for uninsured and underinsured drivers.

While these are the mandatory minimums most experts agree that these amounts are just the starting point for drivers. Most drivers should carefully consider whether these amounts will provide enough coverage. In fact, most insurance experts say that property damage liability insurance of $1 million is much more appropriate than just the required $10,000. You might be surprised at how affordable the difference between the two coverage levels is. Be sure to ask your insurance company for a comprehensive quote.
Consumer Tips

Department Of Kansas (KS) State Government That Regulates Auto Insurance:

Web Site: www.ksinsurance.org
Email: commissioner@ksinsurance.org

How To Contact Directly:

Kansas Dept. of Insurance
420 SW 9th St.
Topeka, Kansas 66612-1678
Phone: 1-785-296-3071
Toll-free: 1-800-432-2484 (In-state)
Fax: 1-785-296-2283

Kansas (KS) Mandatory Auto Insurance Minimums

Liability: 25/50/10 = Bodily Injury Individual/Bodily Injury Total Per Accident/Property Damage
Other Mandatory Insurance: Personal Injury Protection, Uninsured Motorist — No Fault State
Regulations Regarding Proof of car insurance: Proof Required - When Obtaining Registration, If Involved In An Accident, If Stopped By Authorities When Driving
Penalties For Not Carrying Mandatory Insurance: Fine up to $1000 fine plus jail term up to six months
How To File A Complaint About An Insurer:

Online Form For Filing A Complaint
Complaints about insurance can be sent to the proper authorities at the Kansas Department of Insurance.