Kansas No Fault Insurance

If you are a resident of Kansas, you are required by its laws to maintain car insurance coverage for every registered car that you have. Kansas no fault insurance, or Personal Injury Protection, is insurance benefit that should be found in all car insurance policies in the state, with limited exceptions. PIP benefits provide appropriate compensation for car-related injuries, including benefits for lost wages, hospital care, and rehabilitation among many others.

In case of an auto accident, you will obtain all PIP benefits, without any regard to who is at fault. Even when you got injured in a lone car accident, you will receive Personal Injury Protection benefits. Needless to say, PIP benefits offer coverage not only for yourself, but also relatives belonging to your household, your passengers, and anyone you injured with your car.

Your insurer, however, may exclude insurance benefits if you happen to rent your vehicle to another individual, drive it for a pay, and if it is used while undergoing repair. It is best to discuss such limits to the insurance agent when you purchase an insurance policy.

Kansas Auto Insurance Requirements (PIP and Property Damage)

Like most US states, Kansas requires its drivers to prescribe to minimum liability car insurance. If you are a policyholder, this covers you if your vehicle causes any injury to another party, whether the driver or passenger, on the road. It is a must for Kansas drivers to carry the so-called 25/50/10 auto insurance liability requirement, which provides protection to the policyholder for as much as 25,000 dollars in damages, if an individual gets injured or killed. Damages can be as much as 50,000 dollars, if more than one individual gets injured or killed. On the other hand, the amount to be paid in property damage coverage is 10,000 dollars.

Kansas is one of sixteen US states that require Personal Injury Protection car insurance, or PIP, for short. Likewise known to be no fault insurance, PIP becomes in effect if, for instance, you or your passengers get involved and injured in a car accident. The insurer will help in paying for all expenses that the other party will incur, regardless of whoever is responsible for the accident. Kansas drivers should purchase a PIP policy covering 4,500 dollars in medical expenses, 900 dollars every month in estimated lost wages, 25 dollars every day for any in-home service, and 2,000 dollars for funeral expenses.

Penalties for Driving without Insurance in Kansas

If you are slapped for driving without any insurance in the State of Kansas, there are steps to be done to retain your driving privileges. Of course, fines will have to be paid accordingly, depending on the number of times you have committed the offense.

First of all, the Driver Control Agency will require you to maintain an SR-22 filing form for 12 months. The state legislature will ask you to pay the appropriate fines for any conviction. If this is the first time that you are convicted, fine is from 300 to 1000 dollars. Second conviction will require you to pay the amount of at least 800 dollars, but not more than 2,500 dollars. A third conviction will require the Driver Control Bureau to confiscate your driver’s license under the Habitual Driving Statute of Kansas for a period of three years. Fines become serious as the offense is repeatedly committed, which might ultimately mean permanent removal of driving license and serving of jail time.

Kansas DUI laws and penalties

Kansas DUI laws require for you to maintain a low blood alcohol level to drive legally. If you happen to have a blood alcohol level of .08 percent or higher, this means you have violated the Kansas DUI laws. If you happen to be a first-time offender, you will surely face fines that you need to pay to protect your privilege to drive.

If you committed a DUI, there is the possibility for you to face a Kansas DUI case wherein which you will have your license revoked. If you fail to pass the breath test, there is a strong possibility of your license being revoked by as long as one year.

If you are convicted of DUI in the State of Kansas, you are bound to have to your license revoked for thirty days. After this, you can only drive to school and work for 330 days. To claim back your license, you have to pay 100 dollars. Likewise, the suspension of your license will be reflected on your driving record.

With a DUI case in Kansas, you can also face fines and possible jail time. For first-time offenders, jail time is at least two days. The maximum time that you can be incarcerated is six months. This can be reduced, or even eliminated, if you decide to serve at least 100 hours of community service, instead.

Fines will be between 500 dollars to 1000 dollars in fees. You will likewise be asked to pay for the classroom education and evaluation that you need to take. Finally, court expenses will require you to pay additional 100 dollars, at the most.

Kansas Car Insurance Rates Compared to National Rates

The car insurance rates of Kansas vary from year to year, compared to the national insurance rates. It had the highest insurance rate increase two years ago, but a year before that, Kansas insurance rate was one of the lowest. State insurance rates are essential to consider, since they affect the rate and personal premium that you will need to pay. Apart from the State, there are other factors that affect insurance rates, like driving history, gender, and age. While, it is acknowledged that Kansas auto insurance rates are some of the lowest, it is advisable to ask for the help of an insurance agent when obtaining the best personal insurance rates for you.