Insurance requirements for registering a car in Kansas
The state of Kansas requires all drivers to have automobile liability or "financial liability" insurance in order to legally operate a vehicle and retain the vehicle's registration.
The minimum financial liability requirements for drivers under Kansas law are as follows:
Minimum $25,000 per person for personal injury or death. This means you need to have at least $50,000 with you to cover the fewest possible number of people involved in an accident (two drivers).
$10,000 minimum for property damage liability
Minimum $25,000 per person for uninsured or underinsured motorist liability. This means you need to have at least $50,000 with you to cover the fewest possible number of people involved in an accident (two drivers).
This means the total minimum financial liability you will need is $110,000 to cover personal injury, property damage and uninsured or underinsured motorist liability insurance.
Other required insurance
In addition to the types of liability insurance listed above, Kansas law requires every insurance policy to include personal injury insurance that meets the following minimums:
$4,500 for medical expenses incurred as a result of a traffic accident.
$4,500 for rehabilitation as a result of a traffic accident.
$2,000 for a funeral or burial as a result of a traffic accident.
$10,800 ($900 per month for one year) in case of disability and loss of income
$25 per day for in-home services needed for rehabilitation
This type of insurance ensures that your own personal injury costs are covered by your insurance. This is important because Kansas is a no-fault state, which means that the other party's insurance won't cover your bodily injury if you incur it.
proof of insurance
Any driver who drives a Kansas-registered vehicle must carry an insurance certificate. You must show proof of insurance at the request of a police officer and at the scene of an accident in which you were involved. Proof of insurance is also required to register a vehicle with the DMV.
Acceptable proof of insurance coverage includes:
Insurance card from an authorized insurance company
Certificate of self-insurance
An SR-22 Proof of Financial Responsibility that certifies that you have insurance and is usually required only from drivers whose license has been previously suspended for drunk driving or other allegations of reckless driving.
Penalties for Violation
If you fail to show proof of insurance when requested by a law enforcement officer during a traffic stop or at the scene of an accident, you may face very severe fines in Kansas:
$1,000 minimum fine and possible jail time of up to six months for a first offense.
Further violations may result in a minimum fine of $2,500 and suspension of the vehicle's license and registration.
You may have to pay recovery fees in order to register your vehicle again in the future.
For more information, contact the Kansas State Department of Revenue through their website.
