In Kansas, auto owners must follow the requirements of a no-fault law pertaining to auto accidents, and all drivers must comply with local insurance laws. The laws require all drivers to purchase specific policies to lower their risk of financial losses, and the laws make it nearly impossible to file a lawsuit to collect compensation from another driver. A local insurer provides answers to common questions about auto insurance in Wichita KS
What are the Requirements for Auto Coverage?
The current requirements start with liability coverage that must equate to $25,000 for the first injury that occurs with a maximum of $50,000, and the policy must cover $25,000 in property damage. Next, the personal injury protection coverage must provide $4,500 for medical expenses, $900 for disability benefits, $25 per day for in-home health services, $2,000 in funeral expenses, and $4,500 in rehab expenses.
Additionally, the personal injury coverage must provide $900 each month for any survivors who lost financial support due to a fatality, and the policy must provide in-home health services for one year. All auto owners must also add underinsured and uninsured coverage that provides a minimum of $25,000 and a maximum of $50,000.
What Should Drivers Do After an Accident?
All drivers involved in the accident should contact law enforcement and report the accident, and these drivers should start a claim through their insurance company if no one was identified as the at-fault driver. If more severe injuries occur, the victims should contact the insurance provider for the driver who was deemed at fault.
When are Drivers Required to Provide Proof of Insurance?
They must show their insurance card to law enforcement whenever they are stopped immediately, and they must provide evidence when they register their vehicle. Proof of insurance coverage is also required when they are involved in an accident.
In Kansas, auto owners must follow strict laws pertaining to auto coverage based on local no-fault accident laws, and they must purchase insurance policies according to these laws. The coverage must provide benefits when injuries are sustained. Auto owners who need to learn more about auto insurance in Wichita KS can contact Andy Woodward Insurance for more information today.
