Overview on the Rules and Regulations Regarding Auto Insurance in Kansas

Know that when you purchase auto insurance in Kansas, there are several types of coverage you can have. These include bodily injury liability, property damage liability, personal injury protection, uninsured motorist protection, underinsured motorist protection, and collision coverage. There are also several option coverage offered that you can add to your basic liability coverage, such as rental reimbursement, umbrella liability policy, and rental reimbursement. The minimum mandatory amounts for liability coverage are also imposed--$25,000 per person for bodily injury, $50,000 for total injury per accident, and $10,000 property damage per accident.

The State of Kansas also rules that drivers and vehicle owners are financially responsible for any accident, therefore necessitating the need for you to purchase auto insurance. You must also keep the proof of insurance close at hand, as you would need to present them whenever you figure in an automobile accident, when a law enforcement officer demands it, or when you register or renew the vehicle at the county’s treasurer office. A fine and suspension of driver’s license could be the consequences of failing to present the needed document. Under state laws, an insurance provider is allowed to cancel a particular automobile insurance policy within 60 days of coverage. Beyond this time period, cancellation of the policy can only be done with justifiable causes such as fraud, commission of felony, driving under influence, or diminished ability to operate a vehicle due to an existing medical condition. There is no grace period imposed by the state on insurance premiums payment. This means that company has a right to cancel the policy if nonpayment if made after due date. However, they may also choose to ignore the lapse and continue the policy or reinstate the policy effective on the date of premium payment, giving them the right to refuse coverage for the time period between due date and the date of actual payment.

The insurance provider is also required to offer renewal of policy except under qualifying causes such as closing of business in Kansas, disability in the part of the insured, or upon the recommendations of the insurance commissioner. There are several statutes governing the claims process. One would be the requirement for the insurance provider to complete their claims investigation within 30 days of filing claims. Consequently, they are required to give a detailed explanation if the investigation takes longer than the specified time. The company must also give the policyholder the check for covering repairs and can only send the payment to the repair company only with the policyholder’s expressed permission. After-market parts or salvaged parts may also be used to repair a vehicle but only if the parts are of the same quality as the original ones. If the company determines that the claims estimate are too expensive, they are permitted to refer to other car repair facilities though are prohibited from recommending the said facilities to the policyholder. Should your vehicle be determined to be of total loss, the insurance provider is required to utilize the used car guides of professional dealer associations in determining the actual cash value. In relation to this particular point, if the policyholder has an existing car loan during the time of accident, the insurance company is not required to consider the loan value in making settlement of your coverage and will only cover the determined value of your vehicle after depreciation.

If, for some reason or another you are rejected by several insurance providers in your application for personal automobile insurance, you can then approach the Kansas Automobile Insurance Plan. This particular program assigns you to a licensed company that provides basic liability insurance.

We help our Kansas customers in Wichita, Overland Park, Kansas City, Topeka, Olathe, Lawrence, Shawnee, KS and other cities in The Sunflower State lower their premiums and save money on all types of insurance. Use the form above to find low cost auto, homeowners, health, medical, life and long term care insurance. Using our Kansas insurance agent and broker network, you can compare rates quickly from the comfort of your home.

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