Car insurance is an essential requirement for drivers in all states in the United States, including Kansas and Missouri. These states have specific car insurance requirements that drivers must meet to comply with state laws. In this article, we’ll discuss the car insurance requirements for drivers in Kansas and Missouri.
Kansas Car Insurance Requirements
Kansas drivers are required to carry liability insurance, personal injury protection (PIP), and uninsured/underinsured motorist coverage.
Liability Insurance
Liability insurance covers damages and injuries that you cause to another driver or their property in an accident. Kansas drivers are required to carry at least:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident
Personal Injury Protection (PIP)
Kansas is a no-fault state, which means that your insurance company will pay for your medical expenses and lost wages regardless of who caused the accident. Personal injury protection (PIP) coverage is mandatory in Kansas, and drivers must have at least:
- $4,500 for medical expenses per person
- $900 per month for lost wages for up to one year
- $25 per day for in-home services, such as housekeeping or childcare, for up to one year
- $2,000 for funeral, burial or cremation
- $4,500 for rehabilitation expense
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage protects you if you’re in an accident with a driver who doesn’t have enough insurance to cover the damages or injuries. Kansas drivers are required to carry at least:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
Missouri Car Insurance Requirements
Like Kansas, Missouri drivers are required to carry liability insurance and uninsured/underinsured motorist coverage. However, personal injury protection (PIP) is not mandatory in Missouri, but it’s an option that you can add to your policy.
Liability Insurance 25/50/25
Missouri drivers are required to carry at least:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident
Uninsured/Underinsured Motorist Coverage
Missouri drivers are required to carry uninsured/underinsured motorist coverage with the same limits as their liability insurance. This coverage protects you if you’re in an accident with a driver who doesn’t have enough insurance to cover the damages or injuries.
Optional Coverage for Missouri Drivers
In addition to the mandatory insurance coverage, Missouri drivers can purchase optional coverage, such as:
- Comprehensive coverage: This coverage pays for damages to your car that are not caused by an accident, such as theft or vandalism.
- Collision coverage: This coverage pays for damages to your car in an accident, regardless of who is at fault.
- Medical payments coverage: This coverage pays for medical expenses for you and your passengers in an accident, regardless of who is at fault.
- Rental reimbursement coverage: This coverage pays for the cost of a rental car while your car is being repaired after an accident.
Conclusion
Car insurance requirements vary by state, and Kansas and Missouri have their own specific requirements that drivers must meet. If you’re a driver in either state, make sure that you have the minimum required coverage to comply with state laws. It’s also a good idea to consider optional coverage to protect yourself and your car in case of an accident.