Kansas Auto Insurance Quotes

If you've been shopping around for the best deals on Kansas auto insurance, you've found the right place for the best information and price quotes. Before getting quotes from licensed insurance carriers in Kansas, get to know the laws regarding liability insurance, personal injury protection, and uninsured motorist coverage. Once you know what you are required to carry under the laws of Kansas, you can get premium price quotes from several carriers authorized to do business in the state.

Kansas Liability Coverage Requirements

Like most states, Kansas requires that all registered vehicles be insured by a carrier that is licensed to do business in the state.  Liability insurance for bodily injuries and property damage is required so that these expenses can be paid after an accident.  For bodily injuries for one person in one accident, the minimum coverage amount required is $25,000.  All bodily injuries in one accident must have a minimum coverage amount of $50,000.  $10,000 is the minimum liability coverage requirement for property damage.  Kansas is more strict than many other states in that drivers are also required to purchase personal injury protection coverage and uninsured motorist coverage.  Personal injury protection coverage will pay the medical and/or funeral expenses of a driver and any passengers hurt in an accident.  Uninsured motorist coverage can pay accident expenses if a driver gets into an accident with someone who does not carry the required insurance.

Determining Financial Responsibility After an Accident

Two systems are used to determine financial responsibility for auto accidents in the United States.  Kansas uses the no-fault system, where insurance companies must pay the expenses of insured drivers regardless of who was at fault for the accident.  This system was developed as a way to prevent some of the auto insurance fraud that was occurring.  Other states use the tort system of determining responsibility, where the driver who is at fault for the accident is responsible for paying accident expenses.  Under this system, the driver who is determined to be at fault can also be sued civilly.

Penalties for Failure to Maintain Kansas Auto Insurance

The penalties for driving without insurance in Kansas are very severe.  Once you are convicted of this offense, you will be required to maintain an SR-22 filing for a period of 12 months.  This filing must be made to the Driver Control Bureau.  For the first offense, the fine is no less than $300 and no more than $1,000.  Subsequent offenses can result in fines ranging from no less than $800 to not more than $2,500.  If you are convicted of driving without insurance three times within a five-year period, your driver's license will be revoked for a period of three years.  Finally, there are also fines and criminal penalties associated with driving without insurance in Kansas.