Are you protected against drivers who don’t carry enough insurance?

Kansas has a “no-fault” personal injury protection law for car accidents. This means that preliminary medical expenses, of at least $4,500, will be covered by your own insurance company, as a benefit on your policy. But what happens if your hospital bills exceed not only your PIP coverage but also the protection offered by the
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How Insurance Adjusters Devalue Your Claim

Every year in Kansas, nearly 14,000 people suffer from injuries in auto collisions, while approximately 48,000 people incur property damage. In addition to the physical pain, mental trauma, and financial burdens, auto collision victims also have to face insurance companies, insurance adjusters, and their tactics to undervalue their claim.   Insurance companies are in business
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Kansas Personal Injury Protection (PIP) Coverage

Kansas is one of several no-fault auto insurance states. Kansas law requires that minimum auto insurance coverage includes not only liability coverage and underinsured/uninsured motorist coverage, but also personal injury protection benefits, commonly referred to as PIP coverage. PIP coverage and no-fault coverage are terms that are often used interchangeably to refer to the benefits
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Be Careful of these Auto Accident Hotspots

Somebody said that if accidents were completely predictable hence avoidable, insurance companies would have long been out of business. Well, who cares about insurance companies? If accidents could be predicted and avoided, that would save thousands of lives across the country.   With that as the goal many states have started using accident prediction programs.
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Kansas Personal Injury Protection (PIP) and Uninsured Drivers

Kansas Car Insurance: What is personal injury protection and what happens if I am in a collision with another motorist who has no auto insurance? With an estimated 10% motorists driving uninsured vehicles on Kansas roads, there is a 1 in 10 chance that if you are in a mishap, the driver of the other
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DeVaughn James Testifies for Increased Automobile Insurance Limits.

Read the full article by Justin Wingerter at cjonline.com Under existing law, the minimum policy coverage limits for an accident is $25,000 for bodily injury or death of one person, $50,000 for two or more people, and $10,000 for property damage, according to the Kansas Legislative Research Department. The limits haven’t changed since 1984.
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How to Deal with a Hit and Run Accident

For a victim of any accident, feelings of confusion and disorientation are fairly common. For victims of a hit and run car accident, you can safely assume there is anger in that mix of emotions. It’s a jarring experience, mentally and physically. If you have, unfortunately, been a victim of someone else’s carelessness and still
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Minimum Coverage Might Cost You More

Consumers are always looking for the best deal. However, when it comes to 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 Requirements Kansas car insurance laws require you to have
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Excuses Insurance Companies Use To Devalue Your Personal Injury Claim

You were comparatively negligent. Insurance companies often claim that you are partly to blame for the collision or accident. In Kansas, if the insurance company can prove that you are partly to blame for the accident, then the amount of compensation you are entitled to may be reduced.
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What is Uninsured & Underinsured Motorist Coverage?

What Is UM/UIM Coverage? Uninsured/Underinsured (UM/UIM) motorist coverage is a feature of your own auto insurance policy that offers additional protection when there is an accident, and the at-fault driver is either completely uninsured or has insurance that meets the minimum legal requirements, but does not have enough coverage to pay for the damage caused
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