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What is the state requirement for auto insurance in Kansas?
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According to the Kansas Department of Revenue’s Division of Motor Vehicles, the state operates under a "no-fault" auto insurance system. This means that your insurance company must make payments for injury coverage regardless of who is found to have caused the accident.
If you do not have appropriate insurance coverage to provide proof of financial responsibility, you can be charged with a Class B misdemeanor. If it is your first offense, this will result in a fine of up to $1,000. If you ignore the fine, you can be sentenced to up to six months in jail and given high-risk status.
Minimum Financial Responsibility Requirements in Kansas
Kansas drivers can provide proof of financial responsibility by obtaining car insurance that provides liability, personal injury protection, and uninsured/underinsured motorist coverage. Minimum coverage amounts are as follows:Liability Insurance
- $25,000 per person for bodily injury.
- $50,000 per accident for bodily injury.
- $10,000 per accident for property damage.
Personal Injury Protection (PIP)
- $4,500 per person for medical expenses.
- $900 month for one year for disability and/or loss of income (for one year).
- $25 per day for in-home services (for one year).
- $2,000 for funeral, burial, or cremation expenses.
- $4,500 for rehabilitation expenses.
Uninsured/Underinsured Motorist Coverage
- $25,000 per person.
- $50,000 per accident.
If you do not have appropriate insurance coverage to provide proof of financial responsibility, you can be charged with a Class B misdemeanor. If it is your first offense, this will result in a fine of up to $1,000. If you ignore the fine, you can be sentenced to up to six months in jail and given high-risk status.
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