Have questions about insurance? Below, our insurance experts cover some of the key points to know about Kansas auto insurance.

All Drivers in Kansas Must Legally Have Minimum Liability Insurance Coverage

Liability is a basic form of insurance designed to protect drivers from financial damages caused by an auto accident. Most liability insurance policies cover bodily injury or personal property damages in an auto accident.

Talk to a knowledgeable agent at HighPointe Insurance Services LLC in Overland Park, KS to learn about the minimum level of liability coverage for driving legally in Kansas.

Uninsured / Underinsured Motorist Coverage in Kansas

While auto insurance is mandatory in Kansas, accidents happen where some drivers are uninsured or underinsured.

"Underinsured" means that the other driver doesn’t have adequate insurance coverage to protect themselves or others from damages caused by an auto accident.

Optional Auto Insurance Coverage

Collision Coverage

Drivers who want to take their insurance coverage to the next level add collision coverage to repair or replace their vehicles in the event of an accident.

Comprehensive Coverage

Drivers who want to protect themselves from almost all perils related to driving on Kansas roads opt for comprehensive coverage. Comprehensive insurance covers damage to people, property, and vehicles and even coverage for damage caused by non-collision-related incidents.

Non-collision-related incidents are those things that cause damage to an automobile that wasn’t involved in an accident.

For example, a tree limb falling through a windshield can cause damage that wasn’t caused by a collision. Other non-collision-related incidents include vehicle theft, natural disasters, and vandalism.