Kansas Auto Insurance Laws
Auto Insurance Laws and Trends in KS
Kansas institutes its own insurance rules and regulations, just as every other state in the country. They mandate what coverage is compulsory and what coverage is optional. They also have certain factors that are used to decide the calculation of insurance premiums.
Compulsory Coverage
- Bodily injury
- Property Damage
- Personal injury Protection
- Under / uninsured motorist coverage
Factors That Determine Insurance Premiums
- Age, sex, marital status
- Driving record and claims history
- Make and model of vehicle
- Territory of residence and annual mileage driven
In Kansas, if a driver has been convicted of major driving infractions, such as DUI or reckless driving, or has been caught driving without valid insurance, then their license and registration will be suspended. In order to have it re-instated, a driver will have to apply for a SR-22. This is basically considered a high-risk insurance policy that must be effective for at least 3 years. The insurance company is obligated to inform the DMV if the policy lapses or is cancelled.
Motor vehicle crashes are the leading cause of deaths among teens aged 15 to 18 in Kansas. Of all crashes in the state, 6 % of deaths and 20% of crashes involve teenagers. Some of the main reasons are their lack of attention to driving, distractions (cell phones, music devices, and passengers), speed, DUIs, and failure to obey road signs. Most of these crashes and deaths occur between the hours of 7 and 8 A.M., as well as 3 and 4 P.M.
Lack of driving experience and the feeling of indestructibility often lead teenagers to believe that they can drive recklessly and not have any consequences. By enrolling in an approved drivers training course, teenage drivers can learn the proper driving techniques that can keep them safer on the road.