Minimum Coverage Might Cost You More

Consumers are always looking for the best deal. However, when it comes to minimum coverage car insurance the lowest price might cost you thousands of dollars in the future if you are involved in an automobile accident; even if the accident isn’t your fault.

Kansas Auto Insurance Minimum Coverage Requirements

Kansas car insurance laws require you to have the following types of coverage:

• Liability coverage
  • Your liability coverage must meet the following minimum limits:
    • $25,000 bodily injury, per person.
    • $50,000 bodily injury per accident, if multiple people get hurt.
    • $10,000 for property damage.
• Personal injury portection, often called PIP
  • Your car insurance policy must include the following minimum PIP benefits:
    • $4,500 per person for medical expenses.
    • $900 per month for disability and loss of income.
    • $25 per day for in-home services.
    • $2,000 for funeral burial or cremation expenses.
    • $4,500 for rehabilitation expenses.
• Kansas uninsured and underinsured motorist coverage
  • You must have the following minimum uninsured/underinsured motorist coverage:
    • $25,000 for bodily injury, per person.
    • $50,000 for total injuries if multiple people in your car are hurt.

Is Minimum Coverage Auto Insurance Enough?

Even moderate car accidents can easily have costs of $100,000 or more, depending on the number of vehicles involved, the number of people injured and the severity of those injuries. It’s clear that minimum coverage policy limits of 25/50/10 would fail to provide adequate protection in the event that you’re involved in a serious accident.

Peace of mind might be cheaper than you think

Sleeping better at night knowing you have adequate coverage might not be as expensive as you think. Often, mature and experienced drivers can double their coverage for a very nominal cost because the insurance company recognizes that you are a responsible individual, and possibly a more cautious driver.

We hope you’re never injured in a serious Wichita car accident. But, in the unfortunate event that you are injured due to someone else’s negligence, call us in Wichita, Kansas at 316-888-8888 or contact DeVaughn James Injury Lawyers for a free no obligation case evaluation.