Kansas drivers must carry two forms of liability insurance coverage, these being bodily injury insurance and property insurance. In order to determine the cost of the premium, the auto insurance companies look at the habits of all of drivers in Kansas. They then average this amount and take a look at the city of residence, the individual driving records of those being covered by the insurance, and the type of vehicle the person drivers in order to determine rates.
As with every state, Kansas requires its drivers to carry liability insurance. In Kansas, this equates to 25/50/10 coverage. This means that the minimum car insurance coverage a driver can carry for bodily injuries is $25,000. Drivers must also carry a minimum of $50,000 in coverage for injuries caused by an accident. In addition, Kansas drivers must carry $10,000 in property damage insurance.
The mandatory coverage in Kansas includes Bodily Injury Liability, which is also known as BI. This type of insurance is used when the insured driver is at fault for an accident. This insurance pays for any injury or death that results from the accident. The minimum coverage in Kansas is $25,000 per person with a $50,000 per accident minimum.
Kansas drivers also must carry Property Damage insurance, which is simply referred to as PD. Property Damage insurance is the type of insurance used when the driver is at fault for the accident and property needs to be replaced or repaired. The minimum amount of Property Damage coverage a Kansas driver must carry is $10,000 per accident.
Kansas auto insurance laws are very strict. All vehicles registered in the state or operated in Kansas must be covered with liability insurance. Drivers are also required to keep proof of liability insurance coverage with them. This can be accomplished by carrying the card issued by the insurance company.
Insurance cards contain a number of different pieces of information. These include the make of the vehicle, model year of the vehicle, the vehicle identification number, the expiration date of the policy, the name of the person that is covered by the insurance, the insurance policy number, the name of the insurance company, and when the policy became effective.
In addition to showing the insurance card that for proof of coverage, Kansas drivers can prove that they have coverage by showing their temporary insurance card, an insurance binder, a premium receipt, or the current declarations page from the liability insurance policy. Drivers can also show the actual policy in order to prove coverage. Or, drivers can show their proof of purchase of a motor vehicle within the past 60 days combined with proof of coverage for the vehicle that was replaced by the new vehicle.
When renting a vehicle in Kansas, the driver must have a copy of the rental agreement showing that the vehicle has coverage. By showing this rental agreement, the driver can demonstrate proof of coverage.