Kansas law requires anyone who owns, operates, maintains, or uses a motor vehicle to have three forms of insurance:
- Liability Coverage (body and property)
- Personal Injury Protection (PIP or No-Fault)
- Uninsured/Underinsured Coverage.
What are the required coverages for a car insurance policy?
- The required coverages are: Medical Benefits— This pays medical bills for you and others who are covered by your policy, regardless of fault. The minimum limit is $5,000 of coverage. Higher limits are available if you so choose.
What are the required coverages for private passenger auto insurance?
- When you purchase private passenger automobile insurance, there are certain coverages that are required and others that are optional. The required coverages are: Medical Benefits— This pays medical bills for you and others who are covered by your policy, regardless of fault. The minimum limit is $5,000 of coverage.
How much car insurance do I need for an accident?
- The $15,000 pays for injuries to one person, while the $30,000 represents the total available for one accident. Property Damage Liability— If you damage someone’s property in an accident and you are at fault, this coverage pays for it. The minimum limit is $5,000 of coverage.
What questions should I ask when buying car insurance?
- Inquire about discounts (such as multiple policies with the same company, multiple vehicles, airbags, anti-theft device, etc.) and/or surcharges the company applies. Not all companies will offer the same type of plans or have the same underwriting rules (eligibility/ acceptability guidelines). Therefore, it is critical to ask for this information.
Does Every Business Need General Liability Insurance? States don't typically require businesses to carry general liability insurance. But even if it's not required, it's good to have. Small businesses can benefit from this coverage because it helps protect against risks that can come up during normal operations.