Cheap Basic Liability Auto Insurance Coverage in Kansas
Reader’s Question:
What is the basic liability car insurance coverage in Kansas? What are differences between each coverages provided within a car insurance policy?
Wilfred
Topeka, KS
Kansas law requires its citizens to purchase a minimum amount of car insurance. Car insurance is best used to protect yourself against expenses you could not otherwise afford due to any car accident. When you purchase an auto insurance policy in Topeka, KS, you are actually buying several individual coverages. Each insurance coverage protects you against various types of losses. Generally, there are six basic coverages in car insurance, these are: Bodily Injury Liability which covers for the other person’s medical expenses, rehabilitation, funeral costs, and other covered costs, if you or your family are at fault in a car accident. In addition, it pays for settlements of lawsuits and your legal expenses. Property Damage Liability that covers when you or your family members damage other property in an accident. This auto insurance coverage pays for the repair, replacement, or cash value of the other owner’s property. This auto insurance coverage also pays for your legal expenses. Personal Injury Protection (PIP or No-Fault) covers the rehabilitation, medical expenses, funeral expenses, lost wages, and in-home assistance for you and your passengers injured in an accident, regardless of who was at fault at the accident. Passengers who own their own vehicles collect under their own insurance policy. Uninsured/Underinsured Motorist Protection covers you or your passengers for rehabilitation, medical and funeral costs. It also covers settlements of lawsuits resulting from an accident caused by an uninsured, underinsured or hit-and-run motorist. Yourself and your family are covered as pedestrians or when riding a bicycle. Collision coverage pays for the repair of your car in a collision or rollover, regardless of who was at fault. If your car is totaled, it pays for replacement of your car at current market value, minus the deductible. Comprehensive coverage pays for the repair of auto damage caused by windstorm, flood, fire, hail, vandalism, hitting an animal and some other events. If your car (or any covered part) is stolen, the company will replace your car (or parts) at current market value, minus the deductible.
Bodily injury liability, Property damage liability, PIP/No-Fault and UM/UIM coverage are mandatory under Kansas auto insurance law. On the other hand, Collision and Comprehensive coverage are not mandatory.
Lease Car Insurance – Does Vehicle Have To Be In My Name?
Reader’s Question:
I lease 2 vehicles and have auto insurance on both cars in Brookline, MA. My girlfriend drives one of the vehicles but canceled her insurance because neither vehicle is in her name. Does she still need insurance or are the vehicles insured under my auto insurance policy even though she is driving it? She is not listed on my policy.
Paul
Brookline, MA
Insurance carrier’s guidelines and insurance policy terms very so you need to verify with your specific insurance carrier to make sure that your girlfriend is covered when she drives your vehicles. You would not want her to get into an accident while driving one of your vehicles only to find out that she was not covered properly by your insurance company.
It is likely that your insurance company in MA will require her to be added to your car insurance policy since it appears that he is using one or both of your leased vehicles on a frequent basis.
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