Olathe, Lenexa & Shawnee Auto Insurance

Auto insurance is required to drive anywhere in the state of Kansas. In the event of an accident, this protects other motorists on the road, as well as yourself, plus pedestrians and property owners too. You need auto insurance to register a vehicle in Kansas, and many third-party financers also require it.

How much auto insurance must you carry in Kansas, at minimum?

Bodily injury liability coverage: $25,000 per person and $50,000 per accident
Property damage liability coverage: $25,000
Uninsured motorist bodily injury coverage: $25,000 per person and $50,000 per accident

Bodily injury liability insurance pays for medical expenses and other related costs, like lost wages, if another party is injured in an accident and you are at fault.

Property damage liability reimburses property owners when you are at fault in an accident. It covers things like other people’s vehicles, fencing, landscaping, and personal belongings, but not your own vehicle (see collision insurance, below).

Uninsured motorist bodily injury coverage covers you and any passengers if you are injured in an accident where the person at fault does not have insurance coverage or has insufficient auto insurance.

The amounts above are the minimum liability coverage you must carry. However, you can elect to get more coverage, which can be a smart idea with new or young drivers on the policy.

What about collision and comprehensive insurance?

Adding collision and comprehensive coverage gives you what is known as full coverage auto insurance. We often recommend this, especially for newer or more expensive vehicles, or when you depend on your vehicle for work, home, school, or family activities. Collision and comprehensive coverage will protect you up to a certain predetermined amount.

Collision insurance pays for the repair or replacement of your vehicle if it is damaged in an accident when you are found to be at fault. Drivers love this for how quickly they can get back to normal if their car isn’t drivable.

Comprehensive auto insurance covers repairs or replacement of your vehicle should it be vandalized, stolen, or damaged by natural disasters, fire, or hail.

Reach Out for Auto Insurance Coverage Today

Don’t put yourself or your family at risk of driving without the proper auto insurance.

SolutionPoint Insurance are independent agents dedicated to serving drivers in Olathe, Lenexa, and Shawnee with a wide range of auto insurance options that work with every budget. Reach out for a quote online or phone us at 913-735-0110 today. The next time you hit the road in Kansas, make sure you do it safely and legally!