All car insurance policies in Kansas need to include 3 different coverage types:
This helps pay for others' car repairs or medical expenses after an at-fault accident. Kansas requires drivers to carry these minimum limits:
- $25,000 in bodily injury liability coverage per person
- $50,000 in bodily injury liability coverage per incident
- $10,000 in property damage liability coverage per incident
These limits often appear as 25/50/10.
Personal injury protection (PIP)
This pays for medical expenses, lost wages, substitute services, and more for you and your passengers, regardless of fault in an accident. You're required to maintain a policy with at least the following limits:
- $4,500 of medical coverage per person on your policy
- $900 per month for loss of income for up to one year
- $25 per day for at-home services for up to one year
- $2,000 for funeral expenses per person on your policy
- $4,500 for rehabilitation costs per person on your policy
There are several different PIP plans available, which allow you to carry higher limits on the above coverages. If you don't have health insurance, exploring your options is especially important.
- Uninsured/underinsured motorist bodily injury coverage
This can help pay for medical expenses if you and your passengers are hit by a driver who has a little or no insurance. The minimum limits you're allowed to carry are $25,000 per person, $50,000 per incident.
Settling injury claims after car accidents
Kansas follows no-fault guidelines when assessing bodily injury claims. That means that if you or a passenger is injured, you file a claim through your own insurer regardless of who caused the accident. Your policy's PIP coverage can help pay for medical expenses and more, up to the limits you select.
When no-fault doesn't apply
Kansas drivers (or their families) are permitted to seek damages in court if their medical bills top $2,000, or if the injured party suffered permanent or severe injuries or died as a result of the accident.
Settling property damage claims after car accidents
Kansas uses a comparative fault system. If another driver causes damage to your vehicle or property, you can seek repair or replacement payments through that person's insurance company.
So if your car costs $500 to repair and the other driver is deemed 80 percent at fault, you could collect $400 from the other driver's insurer.