While the Kansas Department of Insurance has recovered millions of dollars for consumers in Kansas, it cannot force any insurance company to pay a claim if the company, in good faith, believes, in fact or in law, that it does not owe the money in question. While Kansas requires drivers to have more insurance than is required in other states, the insurance required in Kansas is not necessarily sufficient to cover the cost of many accidents. No one is willing to pay auto insurance premiums until they have an accident and are dependent on coverage for their damages. The terms, definitions and explanations of insurance are for informational purposes only and do not replace or modify in any way the definitions and information contained in the individual pages of contracts, policies or insurance statements, which are decisive.
The consequences of driving without insurance exceed the monthly insurance premium and may result in the following penalties. With Nationwide, it's easy to customize your policy with affordable options for auto insurance in Kansas. If coverage is approved, some of the factors that will influence your premiums include driving history, where you live, the make and model of your car, the amount you drive, gender, age, and previous insurance coverage. If you rent a motor vehicle from a car rental company, your insurance policy with your personal auto insurance company may or may not automatically provide you with the required liability insurance protection while driving the rented motor vehicle.
Like most states in the United States, Kansas requires that you have insurance that covers a minimum amount of damage as a result of a car accident, even if you are not the driver who was at fault for the accident. This type of auto insurance coverage in Kansas is used to repair your vehicle when physical damage occurs due to incidents not related to a collision (subject to the deductible). While the minimum car insurance requirements in Kansas are predefined, they are not intended to be a limit on the amount of coverage you can or should get. If the insurance company needs additional time to conduct an investigation, it will send every 45 days thereafter to the insured or claimant a letter stating the reasons why additional time is needed to complete the investigation.
If you have been injured in a car accident in Kansas City, you should speak to an experienced car accident lawyer as soon as possible. Once again, determine and ask your insurance company in writing whether or not your insurance policy covers physical damage to the vehicle owned by the car rental company while it is in their possession on a short-term lease. We will help you with any insurance issues you may have, either with your insurance company or with the other party's insurance company.