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Auto Insurance in Kansas

Kansas is one of 12 states that have a "no-fault" system of insurance, where no one is cited for accidents and everyone pays for their own damages and repairs. To drive legally in Kansas, you are mandated to have minimal amounts of coverage in liability insurance, personal injury protection, and uninsured motorist coverage. The exact limits required are:

•     Liability Coverage: $25,000 per person and $50,000 per accident for injury coverage and $10,000 per accident for property damage coverage
•     Personal Injury Protection: $4,500 in medical expenses coverage per person, $900 loss of income per month for one year, $25 per day for in-home services, $2,000 for funeral expenses, and $4,500 for rehabilitation expenses
•     Uninsured Motorist Coverage: $25,000 per person and $50,000 per accident for bodily injury or death

All this may sound confusing and complicated, but don't worry. Insurance companies are trained to know the numbers, so you aren't required to remember them for any reason. You should also consider purchasing higher limits and better coverage if you can, to protect yourself from financial problems down the road.

You can shop around for auto insurance in Kansas, which will allow you to compare rates and different policies to see which best meets your needs. You need to be informed about insurance before you do this, though, so that you can make the proper decision.