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There are many interesting facts about Kansas. Did you know that Fort Riley, between Junction City and Manhattan, was the cradle of the United States Cavalry for 83 years or that Dodge City is the windiest city in the United States? Another important fact to remember about the Sunflower State is that auto insurance is required by law and The General® has you covered. The General® offers low cost auto insurance even if you have violations on your driving record, have never been insured before, let your policy lapse, or had your license suspended or revoked.

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Below is information that should help answer some of the more common questions we receive from our Kansas customers.

Kansas Mandatory Coverages

Under Kansas law every automobile policy sold in the state must meet these minimum requirements:

  • Liability coverage
    • $25,000/person for bodily injury
    • $50,000/accident for bodily injury
    • $25,000/accident for property damage
  • Personal injury protection (PIP or No Fault)
    • Minimum amount required by law:
      • $4,500/person for medical expenses
      • $900/month for one year for disability/loss of income
      • $25/day for in-home services
      • $2,000 for funeral, burial or cremation expense
      • $4,500 for rehabilitation expense
    • Survivor Benefits: Disability/loss of income up to $900/month for one year
    • In-home services up to $25/day for one year
  • Uninsured/Underinsured
    • $25,000/person
    • $50,000/accident

Frequently Asked Questions Regarding Kansas Auto Insurance

What is Personal Injury Protection (PIP) and who does it cover?

PIP is insurance coverage for medical and other expenses, such as wage loss and funeral expenses, which result from an auto accident, no matter who is at fault. The law does not require you to have PIP coverage and can be rejected if put into writing.

PIP covers the person who is named on the policy, household residents related by blood, marriage or adoption, and step- or foster children. It also covers non-family passengers and pedestrians involved in the accident.

What does Uninsured/Underinsured Motorist cover?

Uninsured/Underinsured Motorist pays you or your passengers for medical, rehabilitation, and funeral costs. It also pays settlements of lawsuits resulting from an accident caused by an uninsured, underinsured or hit-and-run motorist.

What is SR22 Insurance?

SR22 is a document often required by a state’s Department of Motor Vehicles (DMV) proving that a driver is carrying the state’s required minimum amount of vehicle liability insurance.

SR22s are typically needed for a driver to reinstate their driving privileges after an offense such as a DUI conviction or uninsured auto accident. Drivers who do not own a vehicle but still wish to reinstate their driving privileges may need to provide a non-owner SR22 policy.

The General® offers instant proof of insurance when you buy auto insurance online at our website.

Additional Resources

Kansas Department of Insurance
Kansas Department of Revenue
The Official Website of the State of Kansas