Understanding Your Auto Insurance
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Coverages
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Optional Coverages
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Kansas Limits
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Missouri Limits
A standard auto insurance policy includes 6 separate coverages. Click on the links below for simple explanations of each coverage, and the recommended limits.
- Bodily Injury Liability
- Property Damage Liability
- Medical Payments or Personal Injury Protection (PIP)
- Collision Coverage
- Comprehensive Physical Damage Coverage
- Uninsured & Underinsured Motorist Coverage
Optional Car Insurance Coverages
- Lease/Loan Gap Coverage
- Rental Car Reimbursement
- Towing & Labor
- Special Physical Damage Coverage
Kansas state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 25/50/10 coverage with 25/50 Uninsured Motorist (UM) limits.
Missouri state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $10,000. This basic coverage is often referred to as 25/50/10 coverage with 25/50 Uninsured Motorist (UM) limits.
Enjoy your drive
As the value of vehicles on the road and the huge awards for auto liability continue to increase, it is imperative that maintain proper auto insurance coverage to protect both you and your family.
Get the coverage you need
If you have any doubts about the appropriate level of car insurance coverage that’s right for you, we have excellent plans available through reputable auto insurers, and we will be happy to help pinpoint the coverages best suited to your needs. Click the button below to get a free, no obligation auto quote.
