Important Auto Insurance Factors for Kansas Drivers

Since the state of Kansas requires drivers to carry four specific individual coverages, a Kansas driver should see if the four required are sufficient coverage or if they feel additional coverage is necessary. What is required in Kansas include bodily injury liability, property damage liability, personal injury protection and uninsured/underinsured motorist protection.

Without going into major specifics, these four required individual coverages take care of medical expenses and related expenses for you after an accident, medical expenses for the other person should the accident be your fault, medical expenses for your passenger if they do not have insurance or if they are underinsured, and collision repairs for the other driver’s vehicle.

Additional insurance to consider include collision and comprehensive. Collision insurance would cover the costs of repair for your automobile, should you be at fault, whereas comprehensive insurance covers the cost of repairs for things like hailstorms, fire, windstorms, etc.