TAGS
Auto insurance can be a very confusing issue for a beginning driver, although the consequences of not carrying an insurance policy are clear as day. There are a few basic pieces of information that all drivers must know before shopping for insurance in Kansas. KS motorists are among the most well insured drivers in the United States. Kansas is what is known as a no-fault state, which means that in the event of an accident each individual’s expenses will be covered by their own insurance policy regardless of who was responsible.
This was intended to cut back on the number of lawsuits resulting from traffic accidents and to ensure that all motorists were able to receive medical care and any necessary therapy or follow up care as quickly as possible. PIP, or personal injury protection, is Kansas’s no fault insurance and will pay up to:
* four thousand five hundred dollars in medical expenses * one month’s worth of lost income * twenty five dollars a day for in-home assistance if it is deemed necessary * two thousand dollars in funeral expenses * four thousand five hundred dollars in rehabilitation services * some death benefits for the family to help compensate for lost wages
An individual possessing an excellent private health insurance policy may elect to carry only a minimum PIP policy. In the event that a injury exceeds a certain level of severity the courts will rule that it does in fact warrant a lawsuit, and the driver responsible for the accident will be held responsible for the victim’s expenses.
For this reason KS drivers are also required to carry liability insurance on their vehicle. A minimum liability policy will cover up to twenty five thousand dollars in medical expenses for an individual, fifty thousand dollars for the combined medical expenses of all of the occupants of the vehicle if the driver was transporting passengers and ten thousand dollars to help pay for property repairs, including damages suffered by the victim’s vehicle. Kansas is also one of only twenty one states in the United States that require their drivers to have uninsured/underinsured motorist insurance. Since not all states in the US require their drivers to have good liability insurance, chances are that at some point a driver will be involved in an accident with a person who has no insurance, or whose liability policy will not pay for the costs of repairs.
This policy will also apply in the case of a hit and run, and will pay for both the cost of the driver’s medical expenses and for their pain and suffering. While it is not required by the state it is recommended that all drivers carry collision and comprehensive insurance. This will pay for damages to the vehicle of the driver responsible for the accident, as well as in the case of an altercation with the local wildlife or an incident caused by inclement weather.
The proliferation of the web has helped people benefit from an increasingly easy process of finding information that one needs to make sensible decisions. This trend is observed in the insurance industry as well.
It has become a lot easier for people to search for the lowest insurance costs with the help of InsuranceAuto.org. The site offers a list of the most affordable insurance premiums in Kansas.
You can compare the insurance costs of several insurance providers and choose one that offers you significant savings in money. Moreover, finding all the insurance information in InsuranceAuto.org helps you to save a lot of time as well. InsuranceAuto.org provides you with a list of the lowest auto insurance rates in all the cities of Kansas State.
Data from the Insurance Information Institute suggests that residents of Kansas spent an average of around $590 on insurance premiums in 2005. This represents a 2.2% decrease from 2004, when residents were paying $603 on average.
Leading up to 2005, Kansas residents had been experiencing yearly increases as high as 5.58% in some instances. In general, 2005 was the year when a majority of customers across the nation began to see their premiums decline.
InsuranceAuto.org and other similar sites have had a huge role to play in sensitizing people about the advantage of technology in comparing rates before buying insurance. In Kansas, insurance is based on a No-Fault system, wherein insurance claims are accepted whether a person is responsible for an accident or not. The insurance will be paid by the insurance provider up to a specified limit. An important thing factor you must take into consideration is the variation in the system depending on the state of residence.
So, consult your state insurance regulator for the accurate details. If you need links for the websites of all state insurance regulators, you can visit the State Insurance Regulators page in InsuranceAuto.org.
The minimum requirements for Bodily Injury Liability coverage in Kansas is $25,000 per injured person up to a total of $50,000 per accident. Simultaneously, the minimum limit for Property Damage Liability coverage is $10,000. In Kansas, this basic coverage is referred to as 25/50/10 coverage.
Personal Injury Protection (PIP) is a useful inclusion in your coverage that covers all the “reasonable and necessary” medical expenses in case of injuries to you or other passengers. In Kansas, it is mandatory to buy a minimum Personal Injury Protection coverage of $4,500.
It is also mandatory to purchase a minimum Uninsured/Underinsured Motorist coverage of $25,000 per person and $50,000 per accident to cover bodily injuries caused by an uninsured driver.
If the Sunflower State is your place of residence, InsuranceAuto.org offers you excellent insurance rates and service. You can get a quote from the site and purchase insurance online by just entering your zip code and finding the lowest insurance rates in Kansas. In case you reside in a state other than Kansas, you need to enter the zip code of the particular state and request for an online quote.
.
