Motorcycle Insurance in Kansas
There are several requirements for motorcycle drivers in Kansas. These include liability coverage, personal injury protection, and uninsured motorist coverages. That is because Kansas is a no-fault state. If you are involved in a collision, you will be responsible for all charges and will want as much insurance as you can to cover you in the event of any liability.
You can purchase additional coverage above the basic minimum requirements and can also purchase comprehensive and collision insurance.
At The Insurance Hub LLC, serving Wichita, KS residents, we can help you to develop the motorcycle policy that you need.
Personal Injury Protection (PIP)
Personal injury protection is one of the minimum requirements for motorcycle riders in Kansas. Personal injury protection covers medical expenses and additional losses incurred by accident:
- Medical expenses
- Disabilities or loss of income
- At-home care
- Funeral or death expenses
- Survivor benefits
At-home care and income replacement funds will be capped by the day and by the month, respectively.
Liability insurance will protect motorcycle drivers against liabilities when others are hurt in an accident and sue you for damages. In Kansas, you are required to purchase bodily injury coverage for people and the accident. It would be best to have property insurance if you need to pay for someone else’s vehicle replacement.
Uninsured Motorist Coverage
Even though Kansas requires auto insurance and motorcycle insurance, some drivers still drive without insurance. Uninsured motorist coverage will cover you with a cap per person in an accident and with a cap per accident.
Comprehensive coverage is coverage that gives you a well-rounded insurance policy. This coverage will protect you in the event of theft or damage by other perils not already covered in your minimum requirements.
Get a Quote
When you are looking for motorcycle insurance, The Insurance Hub LLC is helping Wichita, KS residents get the mandatory requirements to drive safely on Kansas roads. Call us today for a quote.