What is the most important car insurance coverage available? It is really a loaded question. The most important car insurance coverage is the one you need at the time of loss. But, you never know what coverage that might be since it can change per accident. At Wheat State Insurance Group, we can help you decide what coverages you might need in excess of the state minimum requirements. Below is a short definition of insurance coverages to help you try to understand what you’re getting.
The first group is state requirements
Bodily Injury Liability – If you cause an injury accident in Kansas, you are financially responsible for paying all medical expenses for other parties. Bodily injury liability coverage pays for those expenses, and it is required by law in this state.
Personal Injury Protection (PIP) / Medical Payments – Personal injury protection coverage pays for any medical bills for you and others in your car. This includes loss of income, funeral expenses, and more. This coverage is required in Kansas.
Property Damage Liability – If you cause vehicle damage or other types of property damage for other people while driving in this state, property damage liability coverage can pay for those expenses. Property damage liability insurance is a required type of coverage in Kansas.
Uninsured and Underinsured Motorist Coverage – This is another type of required coverage for drivers in Kansas. It pays for any expenses that you incur through a hit and run accident or an accident with an uninsured driver.
This group is additional coverage you may need or want to purchase
Collision – Collision insurance pays for your own vehicle repairs or for a full vehicle replacement in some cases, but it only covers collision events.
Comprehensive – This type of auto insurance pays for your vehicle-related expenses for a collision, theft, weather damage, and more.
Emergency Road Side Assistance – This coverage can include towing assistance, flat tire changes, gas, oil, and water delivery, jump-start of your battery, and lock out service. Some coverages may vary with each carrier.
Rental Car – This covers rental car costs while your car is being repaired after an accident.
At Wheat State Insurance Group, our auto insurance agents focus on two things: making sure drivers understand their auto insurance coverage and helping them find affordable auto insurance policies. If own an automobile, we believe that you should be familiar with your auto insurance coverage, and you shouldn’t have to pay too much for insurance. Here’s how we can help you.
We have three ways you can get in touch with our auto insurance agents. You can send them a message by filling out one of our forms click here, you can give our office a call (877) 226-8072, or visit us at 228 N. Baltimore Ave., Derby, KS 67037. Either way, we’d love to hear from you and help you find auto insurance.