Auto Insurance

Last updated: September 7, 2017

What is Auto Insurance?

6 Basic Types of Coverage

When you buy an auto insurance policy, you are actually buying several individual coverages. Each coverage protects you against different types of losses. Here is a brief description of the six basic coverages:

1. Bodily Injury Liability

If you or your family are at fault, Bodily Injury Liability pays for the other person's expenses. This includes medical expenses, rehabilitation, funeral costs, and other covered costs. It also pays for settlement of lawsuits and your legal expenses.

The Smallest Amount of Coverage Required in Kansas:

  • $25,000/person for bodily injury
  • $50,000/accident for bodily injury

2. Property Damage Liability

Property Damage Liability pays when you or your family members damage other property. It pays for repair, replacement, or cash value of the other owner’s property. It also pays for your legal expenses.

The Smallest Amount of Coverage Required in Kansas

  • $25,000/accident for property damage

3. Personal Injury Protection (PIP or No-fault)

Regardless who is at fault, PIP pays for your and your passengers' expenses. This includes medical expenses, rehabilitation, funeral expenses, lost wages, and in-home assistance. Passengers who own their own cars collect under their policy.

The Smallest Amount of Coverage Required in Kansas:

  • $4,500/person for medical expenses
  • $900/month for one year for disability/loss of income (for one year)
  • $25/day for in-home services (for one year)
  • $2,000 for funeral, burial, or cremation expense
  • $4,500 for rehabilitation expense

4. Uninsured/Underinsured Motorist Protection

This protects you against uninsured/underinsured negligent drivers in an accident. It pays you or your passengers for medical, rehabilitation, and funeral costs. Also, it pays settlements of lawsuits resulting from these types of accidents. You and your family are covered as if you were pedestrians or cyclists.

The Smallest Amount of Coverage Required in Kansas:

  • $25,000/person
  • $50,000/accident

5. Collision

Collision coverage pays for the repair of your car in a collision or rollover. 

  • This is not required in Kansas.

6. Comprehensive

Comprehensive coverage pays for damage to your auto resulting from windstorm, fire, hail, etc. 

  • This is not required in Kansas.