Kansas Auto Insurance Minimum Coverage Requirements

Drivers in Kansas must buy at least a certain level of car insurance coverage in order to be “legal” in that state. They must buy liability coverage, which includes bodily injury and property damage protection.

Bodily injury liability insurance coverage pays for the cost of medical bills, rehabilitation costs and other expenses for the occupants of the other vehicle if you are involved in an accident. It also pays for funeral expenses if the accident results in any fatalities. The minimum level of bodily injury insurance coverage required in Kansas is $25,000 for the injuries sustained by one person in the accident and $50,000 for injuries sustained by all people who were hurt in the same incident.

The property damage liability part of the insurance coverage pays for the cost of repairing the other driver’s vehicle after the accident. It also pays for repairs to other property damaged in the accident, such as sign posts, light stands and mail boxes.

Along with the liability insurance coverage, Kansas drivers must also buy uninsured and underinsured motorist coverage. The uninsured motorist insurance pays out when the at-fault driver doesn’t have coverage and the uninsured motorist portion of the policy kicks in when the at-fault driver doesn’t have enough insurance to fully cover the damages he or she caused.