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Q: "What is the minimum amount of auto insurance I need in Kansas?"
Kansas state law requires Bodily Injury Liability limits of $25,000 minimum per injured person, and up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum of $10,000 in coverage. In addition to this coverage, Kansas also requires drivers to carry $4,500 in Personal Injury Protection Coverage (PIP) for medical and $900 in work loss coverage. Kansas is a No Fault State, meaning your insurance company will pay damages up to a specified amount regardless of fault.
Kansas Coverage: 25/50/10
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $10,000 Limit
Uninsured/Underinsured Motorist Bodily Injury: $25,000/$50,000
Personal Injury Protection (PIP): $4,500 Medical/$900 Work Loss
Although 25/50/10 is the minimum requirement for auto insurance in Kansas, that may not be enough coverage to properly take care of damge, injury, or valuable assets. Finding the right amount of coverage is necessary to insure that you, your family and your assets will be covered in the case of damages from an automobile accident.