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You have to know the Kansas car insurance rules if you’re hitting the roads there. There are a many rules, so make sure you stay informed with what you have to do. Review these Five key things all Kansas drivers should know.
One, you gotta have this kind of insurance to play by the rules.
Two, you gotta have proof of insurance on you whenever you’re driving.
Three, it’s smart to have coverage if you hit someone without a policy.
Four, consider this PIP thing—it’s not a must but can really save you.
Five, don’t miss out on discounts.
One, you gotta have this kind of insurance to play by the rules.
In Kansas, they make you carry this minimum insurance coverage. It’s got to cover injuries to individuals and any property damage you cause. Most people go with the minimums, like $25,000 each for personal injuries, $50 grand for injuries from one accident, and $25 grand for causing damage to property, according to recent statistics.
Two, you gotta have proof of insurance on you whenever you’re driving.
Law enforcement officers in Kansas can ask for proof whenever they wish. If you don’t have the proof? You could be looking at a penalty, or your vehicle might be towed away.
A true story involves a driver who was pulled over and couldn’t provide proof of insurance. The driver ended up having to pay a large fine and had to go through a prolonged process to get their vehicle back.
Three, it’s smart to have coverage if you hit someone without a policy.
It protects you if you injure someone who is uninsured or is underinsured. It covers your medical expenses, your lost wages, and repairs to your vehicle.
Research indicates that over 14% of Kansas drivers are uninsured. This coverage is essential to shield yourself from possible financial difficulties.
Four, consider this PIP thing—it’s not a must but can really save you.
It’s not required in Kansas, but PIP can assist with covering your expenses following an accident. It’s for medical costs, income loss, and additional expenses regardless of who is at fault. A customer testimonial shared that they had PIP coverage and it greatly assisted them address their medical costs after a motor vehicle accident.
Five, don’t miss out on discounts.
There are multiple ways to reduce the cost of car insurance. You can qualify for discounts such as for holding multiple policies, having a clean driving record, or completing a defensive driving course. A person was able to save over two hundred dollars by availing of those discounts.
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