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General Kansas Insurance Guidelines
Kansas currently requires that all drivers be covered under liability insurance. Proof of insurance must always be accessible in the vehicle.
Minimum Liability Coverage in Kansas
The minimum liability amounts in Kansas are as follows:
- $25,000 bodily injury per person.
- $50,000 total bodily injury per accident.
- $10,000 total property damage per accident
These are only the minimum requirements set by the state. Experts advise protecting your assets by getting more coverage than the state-mandated minimums as these limits tend not to keep pace with the ever increasing costs of car repairs and medical bills. Most drivers also add collision and comprehensive coverage to their policies to cover possible damage to their own cars as well.
Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry UM/UIM, or uninsured/underinsured motorist coverage. This coverage protects a driver if they get in an accident where the other party does not have auto insurance. Kansas requires UM/UIM coverage. The minimum UM/UIM coverage amounts for Kansas are $25,000 per person and $50,000 per accident minimum.
Some states have “No-Fault” laws where a policyholder will be reimbursed by their insurance company without proof of fault, and restricted in the right to seek reimbursement through the court system for losses caused by other parties. Kansas is a “No-Fault” state.
Personal Injury Protection (PIP)
Some states have Personal Injury Protection or “PIP” regulations requiring drivers to carry PIP insurance. This is an extension of auto insurance that covers medical expenses, lost wages and/or other damages. Kansas requires drivers to purchase PIP insurance. The minimum PIP coverage amounts for Kansas are
- $4,500 medical expenses per person
- $900 lost income per month for 1 year
- $25 for in-home services per day
- $2,000 for funeral, burial or cremation expenses
- $4,500 for rehab expenses
- Survivor Benefits: Disability/loss of income up to $900/month for 1 year
- In-home services up to $25/day for 1 year
SR-22 Requirements for Kansas
An SR-22 form is a vehicle liability insurance document to be filed with a state’s DMV as proof that a driver has the minimum required liability insurance coverage for that state. SR-22 filings are usually only required to reinstate driving privileges after an offense such as a DUI conviction, uninsured auto accident or driving without insurance. Kansas requires an SR-22 filing for driver’s license reinstatement.
Kansas DUI Laws
It is illegal to operate a motor vehicle in the United States with a BAC (Blood Alcohol Content) level of 0.08% or higher. All states have driver's licensing laws that state that a licensed driver has given implied consent to a field sobriety test and/or method of determining BAC. This means that a driver is required to take such tests if a law enforcement officer has reasonable grounds for administering one, with automatic penalties for refusing to comply. If BAC is determined to be above the legal level a driver will be penalized in various ways. The first DUI offense penalties for Kansas are:
- Minimum 2 days imprisonment or 100 hrs community service
- $500–$1,000 fine
- 30-day license suspension
- 330-day license restriction after suspension
- Possible vehicle impoundment up to 1 year
- Possible court-ordered treatment possible
Additional Information on Insurance for Kansas
For more information, please contact Kansas Insurance Department: 1-785-296-3071 or visit their website at www.ksinsurance.org.
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