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What is uninsured motorist coverage?

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At the AHI Group in Olathe, KS, we understand the growing concern about uninsured drivers on the roads. That’s why we want to reassure you that uninsured motorist coverage, a part of the minimum state-required coverage for drivers in Kansas, is there to protect you. We’ll explain what it is and how it provides a safety net for you as a driver.

The state of Kansas requires the following coverages for its residents.

  • Liability Coverage: Kansas has made liability coverage mandatory for all drivers in the state. It covers the other car and its passengers if you are found liable for causing an accident. Drivers are responsible for carrying 25/50/25 coverages. That’s $25,000 per person bodily injury liability, $50,000 bodily injury total per accident, and $25,000 in property damage liability coverage.
  • Personal injury protection (PIP) coverage: Often referred to as “No Fault” insurance, PIP pays you and your passenger’s medical expenses no matter who is at fault. The coverage must include $4500 for medical costs per person and $900 for lost wages due to disability after an auto accident. It pays out monthly for up to a year. It also includes coverage for in-home services ($25), funeral services ($2000), rehab services ($4500), and survivor benefits.
  • Uninsured (UM) or underinsured motorist (UIM) coverages: Covers you if you are in an accident with a driver without insurance or they have inadequate insurance to cover your injuries in an auto accident. The limits are $25,000 for bodily injury per person and up to $50,000 per accident.

Uninsured motorist (UM) also covers you in case of a hit-and-run incident where you cannot identify who hit your vehicle and injured you. The bodily injury limits on UM coverage cannot exceed the coverage on your liability policy. However, if you carry more than the state minimum liability, you can increase your UM coverage to match.

Questions or Concerns?

Remember, we’re here for you. If you have any other questions or concerns about uninsured motorist coverage, don’t hesitate to call AHI Group in Olathe, KS. We’re always ready to provide the information and support you need. The number is (913) 839-1478.

Choosing The Right Auto Insurance For Your Family

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Crafting a solid auto insurance policy for your family is not just about cost savings – it’s about convenience. Family plans cover all vehicles and drivers in your household under one policy. Furthermore, they simplify the payment process by consolidating multiple payments into a single, manageable monthly payment. Contact the team at AHI Group serving the Olathe, KS area, for the best coverage options for your family’s auto insurance needs.

How Family Plans save Money

Several factors determine your auto insurance premiums, including your demographic profile, credit history, and driving and accident records. The make and model of the vehicles insured also impact your rate. While having teenage drivers on your policy can contribute to higher insurance premiums, investing in a family policy can lead to almost 25% savings compared to individual policies. Family policies also offer the advantage of sharing the deductible if multiple vehicles are damaged in a single incident, such as a tree falling on your driveway.

Here are additional ways your family can save money on auto insurance:

  • Bundle Your Policies: Consolidate home, auto, and other insurance needs under the same insurer can lead to more savings.
  • Assign Vehicles Wisely: List your children as the primary drivers on the least expensive cars in your household.
  • Increase Your Deductible: Opting for a higher deductible can reduce your premium.
  • Reward Good Grades: Students with good grades often qualify for auto insurance discounts.
  • Customer Loyalty: Remaining with the same insurer for a long term can result in loyalty discounts.
  • Safe Driving: Drivers with clean driving records cost less to insure.
  • Pay in Full: Making a single annual payment instead of monthly payments can save you money.

Work with AHI Group

Our AHI Group team serves clients in the Olathe, KS area. We’re here to help whether you have insurance-related questions or need a personalized insurance plan. Call us today to see how we can meet your family’s auto insurance needs.

What is Forced-Placed Insurance?

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Homeowners in Olathe, KS, and other parts of the state might be hearing an unfamiliar term lately. At the AHI Group, we’ve been receiving more calls inquiring about "Force Place" insurance. Callers have been learning about it from their lenders following the lapsing of home insurance policies. So, what does this term mean, and what actions should be taken to avoid it? Here’s what you need to grasp about forced-place insurance.

What is Forced-Place Insurance?

If you have a mortgage on your home, your lender will likely require you to carry homeowners insurance. However, the lender will receive a notification if you fail to maintain payments for this homeowners insurance or cancel it. At this point, they will likely force-place home insurance on the property. Essentially, this means the lender will secure insurance while you will remain responsible for paying for it.

The Problem with Forced-Place Insurance

You should take every possible step to avoid having forced-place insurance on your home.

  • It’s incredibly expensive.
  • It benefits the lender, not the homeowner.
  • It only covers the mortgage balance.
  • It doesn’t account for your equity.
  • If you miss payments, it could lead to foreclosure.

The bottom line is that you need to maintain your insurance if you hold a mortgage. You’re much better off maintaining your own insurance policy rather than letting your lender force-place insurance on your home.

Get a Home Insurance Quote Today

If you’re feeling the pinch of rising homeowner’s insurance rates in the Olathe, KS, area, we might be able to assist. Contact the AHI Group for a quote today. You may have options. Allow us to be of aid.

RV Insurance: Protecting Your Home on the Road

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There are numerous ways to travel. Some people prefer traveling by plane, train, or automobile, but for a unique experience, nothing compares to journeying in an RV. In addition to offering an exceptional way to vacation, recreational vehicles come with numerous benefits, beginning with the convenience of home-like amenities. This is why a vast number of people and families love their RVs and why so many people in the Olathe, KS area entrust their RV insurance needs to the professional and friendly agents at the AHI Group.

Protect Your On-the-Road Home

Just as we strive to protect our homes, we should aim to safeguard our on-the-road homes. RV insurance can make a significant difference in the event of mishaps, storm damage, theft, and more.

Whether your on-the-road home is parked in your driveway or you’re prepping for your next big adventure, ensure that your RV is adequately insured. That’s why having a reliable insurance partnership is crucial for dealing with all your RV insurance needs.

AHI Group RV Insurance

For RV owners in or around the Olathe, KS, area who have questions about or need RV insurance solutions, look no further than the trusted and professional agents at the AHI Group. Whatever your needs, we’ve got you covered. Contact us to learn more and schedule an appointment to secure your on-the-road home today.

The Impact of Policy Lapses on Life Insurance Claims

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Life insurance provides crucial financial protection for beneficiaries around Olathe, KS, but maintaining the policy is essential. A lapse in coverage has dire consequences for all parties involved.

What Is a Policy Lapse?

A policy lapse occurs when a life insurance policyholder doesn’t pay the monthly premiums within the grace period. This will result in the policy’s termination. The grace period typically lasts 30 to 31 days after the premium due date. Once the policy lapses, the insurer is no longer obligated to provide coverage, and beneficiaries may not receive the death benefit.

Consequences for Beneficiaries

Beneficiaries are generally not entitled to the death benefit if a policyholder dies after the policy has lapsed. This leads to unfortunate financial hardship for families who are now responsible for covering funeral costs and other expenses, from mortgage to household bills.

Reinstatement Options

Most life insurance policies offer a reinstatement period during which the policyholder can restore coverage by paying past-due premiums, often with interest, and providing proof of insurability. This period typically lasts three to five years after the lapse. Reinstating the policy can help regain coverage but may come with additional costs and requirements. It is crucial to act promptly to avoid a permanent loss of coverage.

Preventing Policy Lapses

Policyholders should set up automatic payments or reminders to ensure premiums are paid on time. Regularly reviewing the policy and updating payment methods can also help maintain continuous coverage. Keeping the communication line open with the insurance provider is critical to avoid policy lapses.

AHI Group Helps Guide You

AHI Group will help guide you and show you how life insurance can save you money in the long run. Our team covers the Olathe, KS region. Contact us today.

Can You Be Sued After an Auto Accident in Kansas?

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One of the most common questions we get at AHI Group serving Olathe, KS is how Kansas is a no-fault state, but you can still be sued after an auto accident.

Each driver’s auto policy provides coverage for their medical bills and other expenses, regardless of who caused the accident. But the other party can file a personal injury claim against you after an auto accident in Kansas if:

  • They have medical bills of $2,000 or more.
  • They have a serious injury, such as a broken bone, permanent disfigurement, permanent disability, loss of a body part, loss of body function, or death.

The individual suing you has to submit evidence that proves two things:

  • Their injuries were caused by your breaking a traffic rule or failing to act reasonably and
  • Your actions resulted in your being at least 51 percent at fault.

Kansas has a modified comparative negligence rule for personal injury lawsuits. For instance, if you are sued and found 75 percent at fault for the other party’s injuries, you may have to pay 75 percent of their claim. But if the other party is more at fault than you are, they are not awarded any damages.

Your auto coverage helps you pay personal injury claims. It may also help you pay your attorney bills. Your insurance company may advise you to defend against a suit, or it may settle the suit for you. But as long as you have enough coverage, your policy will pay the other party’s claim.

Here’s one thing to keep in mind:

The state-mandated minimum of $25,000 for property damage and $50,000 for bodily injury is not enough to settle potential claims for a severe crash for which you are at fault. Speak with your agent at AHI Group serving Olathe, KS, about how much liability coverage you need for your car.

Fencing Off Your Commercial Property

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If you own a business and the land it is situated on, you should consider fencing it off right away. There are many benefits to having a fence around a commercial property in the Olathe, KS area, and they are listed below. 

Maintain Privacy

One of the best things about a fence is the privacy it offers your business. This is ideal for businesses that need to protect their work while maintaining the privacy of their clients. Large, solid fences are great for privacy concerns. 

Improve Security

It’s much easier to manage who comes onto a property with a fence. If you have your property enclosed and only allow certain entrances to the building, you’ll find that you can reduce the amount of vandalism and break-ins that could happen on your property. You’ll want strong fences that can keep people out and make them hard to climb. 

Develop An Identity

Some businesses are very close to others, and it may not be easy for potential customers to identify your business. With a fence outlining the property’s perimeter, you can quickly develop an identity as your business and not get lost among the others in the area. This can also give you some seclusion in the area, which customers may seek. 

Improve The Look

One of the best benefits of having a fence is how it looks and how it improves the overall look of your business. An attractive business will attract customers, and having a fence lets you keep any materials on the property secured and out of sight. 

If you want a commercial insurance quote, contact our AHI Group team today. 

New House? You Need a Quality Home Insurance Policy

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When you move into your new Olathe, KS house, there are many things to consider. Will your furniture fit? Do you want to repaint the bathroom? There are always questions and considerations. One of the items at the top of your to-do list should be working with an agent at AHI Group to get the right home insurance policy. You also want to have quality coverage that meets your needs and the peace of mind that goes with it. The right agent can help make all that so much easier.

Home coverage is designed to protect you and your belongings in the event of a claim. It can also help you get your home repaired after a disaster and make replacing your personal items easier and less stressful. If you’re buying through a lender, they’ll generally require you to have a policy in place before you can close on the house you’re buying, so they know they’re also being protected.

While it’s possible to shop for insurance on your own, the best option is to work with an agent who can give you quotes from multiple insurers. That makes it much more convenient to compare coverage and options so you can decide which policy is best for your needs. Even if the coverage is the same, the value of the policy can be different depending on which company you choose. Our agents will answer your questions and discuss your options so you can get the right coverage.

Contact us today at AHI Group if you’re buying a new house in the Olathe, KS area. We’re here to make sure you’re happy with your policy and that it gives you the protection you need to enjoy your new home.

Why Life Insurance Should be a Must for Most

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Sadly, some people will die young. While many folks would rather not think about something as morbid as death, the simple fact is that you and your family must prepare for every contingency. If you or a loved one passes away, it will not only be an emotional burden but often a financial one as well. Fortunately, the right life insurance plans can mitigate risks. If you are considering life insurance plans, get in touch with AHI Group. We serve Olathe, KS and other communities and would be happy to explain various life insurance options to you.

The Financial Security Life Insurance Provides

Unfortunately, when someone passes away, a family will often lose many valuable resources. While the first consideration after death should be emotional and should focus on grieving, the simple fact is that death can leave a family in a dire financial situation. This will make it hard for the family to plan a funeral and to grieve.

That said, life insurance policies may provide financial assistance in the event of a death. To be clear, you’ll need to read the fine print of any insurance policy you’re considering, or you should work with an insurance agent. What is covered can vary from plan to plan. An insurance pro can help you select the right plan for your given situation.

The payout provided by insurance can greatly reduce stress for the surviving family members. The funds could be used to help pay for a funeral, cover mortgage payments, and fund child care. This will greatly reduce the stress for surviving family members, which in turn will help them focus on grieving and supporting loved ones.

Think you need to take out a life insurance plan?

Contact the AHI Group, which serves Olathe, KS and other communities.

Should I cancel my auto insurance if I no longer have a vehicle?

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Various circumstances could leave you without a vehicle.  Your car may have been totaled, and you don’t have the funds to purchase another immediately.  Maybe your vehicle has broken down or been repossessed, or you sold it.  No matter the circumstances behind your not having a car, you don’t have to cancel your auto insurance altogether.

When we think of an auto policy, we think of a car that we want to cover and protect.  However, in Kansas, you can purchase a non-owner insurance policy to protect you financially if you’re involved in an auto accident. 

How a non-owner policy works

A non-owner policy covers you when driving a borrowed or rented vehicle.  Suppose you are liable for causing an accident.  In that case, a non-owner policy covers your legal liability for auto accident-related property damage and injuries to the other parties involved.  A non-owner insurance policy is typically cheaper than most regular auto insurance policies.  If you don’t own a vehicle but want to protect yourself financially, you can work closely with our agents at AHI Group in Olathe, KS to discuss the appropriate non-owner insurance coverage that meets your needs. 

Coverages for non-owner insurance policies

Non-owner insurance policies in Kansas must cover the state’s minimum coverage that applies to a traditional car insurance policy.  Those coverages include up to $25,000 for bodily injury per person and $50,000 per accident.  They also cover up to $25,000 per accident for property damage. 

How to get a non-owner auto insurance policy

If you have found yourself without a vehicle and have to borrow a friend’s car, drive a rental, or operate a vehicle as part of a ride-sharing program, contact our agents at AHI Group in Olathe, KS to discuss a non-owner policy.  We can get you covered and protected financially with a personalized insurance policy. 

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