Is Auto Insurance Mandatory in Kansas?
Yes, driving without insurance is prohibited in this state. Failing to keep auto insurance carries steep fines, increased future car insurance premiums, and potentially the possibility of jail time. Our team of insurance experts at The Insurance Hub LLC suggests that our Wichita, KS clients buy motor insurance to avoid legal trouble.
You are required by Kansas state law to maintain a minimum level of automobile insurance. It is a no-fault state. This implies that regardless of who caused the accident, your insurance will cover your injury claims up to a maximum. In a no-fault system, you give up some of your legal options to sue for compensation. This is why Personal Injury Protection (PIP) coverage, which pays for your injury-related costs and medical bills after a car accident, is required for all drivers in Kansas to have at least a minimum level of coverage.
Minimum Auto Insurance Requirements
- Liability insurance for bodily harm per person: $25,000
- $50,000 in bodily harm liability protection for each accident
- Liability insurance for property damage: $25,000
- $4,500 per accident for personal injury protection (PIP).
- The coverage for underinsured and uninsured drivers is $50,000 per accident and $25,000 per person.
Failure to Maintain Kansas Auto Insurance: Penalties
If a law enforcement officer requests to see your evidence of Kansas auto insurance, you are obligated by law to produce it. It is a Class B misdemeanor to do otherwise. First-time violators risk a 6-month maximum jail term or a $1,000 maximum fine. If a second ticket is issued within three years following a first conviction, the penalty rises to $2,500. Additionally, you risk losing your registration and having your driver’s license suspended. Additionally, there are costs associated with restoring your registration and license.
Give Us A Call Today
Everyone needs auto insurance, and getting a free estimate is the easiest way to start. The Insurance Hub LLC, serving the greater Wichita, KS community, can provide excellent service, customized vehicle coverage, and affordable car insurance prices.
