Like every other state, Kansas has auto insurance requirements for basic coverage. Whether this basic coverage is right for you or not is something that talking to your local independent insurance agent will help you decide. AHI Group in Olathe, KS has a team of experienced insurance agents who will put your interests first.
What are the auto insurance requirements in Kansas?
In Kansas, the required auto coverage is 25/50/25. This is all liability coverage. $25,000 for bodily injury to one person injured in an auto accident where you have been deemed the responsible party and $50,000 if more than one person is injured. It also included $25,000 for damage to property. You need to consider if this liability coverage protects your assets or whether you need additional coverage.
For those who have a car loan or are leasing their vehicle, basic coverage will not be acceptable. While the lender or lessor owns the vehicle, you will need to protect it with collision and comprehensive coverage.
While you must have the required liability coverage, protecting your auto if you own the vehicle is optional. You need to ask yourself if my vehicle was damaged or totaled, would I be able to repair or replace it on my own? If your answer is no, then you need to consider adding additional coverage to protect it. Having to be without a vehicle would be a hardship for most people who count on their vehicle every day for the normal activities of daily life.
Beyond the requirements, there are other optional coverages that can make your policy a better fit for you and your lifestyle. Full glass coverage will replace your vehicle windows without a deductible, roadside assistance will help you if your vehicle breakdown, won’t start or has a flat tire.
Get Auto Insurance Today
Contact AHI Group in Olathe, KS to get your auto policy reviewed and to discuss the coverage that you need.