Haskett Insurance · Auto
Your auto policy is lettered too: Parts A to D.
Every personal auto policy is built from the same parts. Kansas requires three of them. Tap a letter to see what it pays for.
Tap a letter on the drawing or below to see what it covers.
[{"k":"A","label":"A · Liability","d":"Injury and damage you cause to others.","short":"A"},{"k":"B","label":"B · Medical and PIP","d":"You and your passengers, whoever was at fault.","short":"B"},{"k":"C","label":"C · Uninsured motorist","d":"When the other driver has little or no insurance.","short":"C"},{"k":"D","label":"D · Damage to your auto","d":"Collision, plus hail, theft and deer (comprehensive).","short":"D"}]Part by part, with the Kansas line.
What each part pays for, the thing people miss, and what Kansas law asks of it. Parts E and F of the policy are your duties after an accident and the general rules.
Part A: Liability
Pays for the other people’s injuries and the other car, fence or mailbox when the accident is your fault, plus your legal defense.
Often missed. The state minimum is a floor. A bad crash with injuries can run past $25,000 per person fast, and what’s left over is yours.
In Kansas. Kansas minimum: $25,000 per person and $50,000 per accident for bodily injury; $25,000 for property damage.
Part B: Medical and PIP
Kansas is a no-fault state: your own policy’s Personal Injury Protection pays first for your medical bills and lost wages after a wreck, no matter who caused it.
Often missed. PIP has set limits. Extra medical payments coverage can pay above them.
In Kansas. Kansas PIP minimums include $4,500 per person for medical expenses and $900 a month for one year for lost income.
Part C: Uninsured motorist
Pays for your injuries when the driver who caused them has no insurance, or not enough.
Often missed. It covers people, not the car. Damage to your vehicle in that crash usually goes through collision.
In Kansas. Kansas requires uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per accident.
Part D: Damage to your auto
Collision pays to fix your car after you hit something. Comprehensive (the policy calls it “other than collision”) covers hail, theft, fire, a falling branch, and hitting a deer.
Often missed. Neither is required by the state, but a lender usually requires both. On an older car worth very little, dropping them can make sense.
In Kansas. Not required by Kansas law. Each has its own deductible, and you pick it.
The Kansas minimums are a floor.
Every personal auto policy sold in Kansas has to carry at least these. The state’s own guide recommends buying what fits your needs, and so do we.
- One serious injury can pass $25,000 quickly. Most of the people we write carry well above the minimum on Part A.
- An umbrella only sits on top of a Part A limit the umbrella carrier accepts, so the two get set together.
- Collision and comprehensive aren’t required by the state, but a car loan or lease usually requires both.
Kansas required coverage
From the Kansas Insurance Department’s Auto Insurance Shopper’s Guide
Liability (Part A)
- $25,000 per personbodily injury
- $50,000 per accidentbodily injury
- $25,000 per accidentproperty damage
Personal Injury Protection
- $4,500 per personmedical expenses
- $900 a month for one yearlost income
- $25 a dayin-home services
- $4,500rehabilitation
- $2,000funeral, burial or cremation
Uninsured / underinsured motorist
- $25,000 per personbodily injury
- $50,000 per accidentbodily injury
A new driver in the house.
Call Kim at extension 1 before they drive alone. Three things worth asking about:
- If your teen doesn’t own the car and has a clean record, ask about rating them on your policy as an occasional operator.
- Which car they’re assigned to matters. Teens sometimes end up rated on the most expensive vehicle in the household.
- Ask about credits for good grades, a driver-training course, and a student away at college without a car.
Compare auto quotes, part by part.
Send your current declarations page and we’ll line up several carriers with the same parts and limits.