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.