Drivers in Hutchinson, KS, face unique challenges on the road, including sudden violent thunderstorms, tornadoes, and flash flooding. To navigate these risks, it’s essential to have the right auto insurance coverage. Get the inside scoop on what local drivers need to know from the insurance professionals at DJ Kauffman Agency.
Minimum Insurance Requirements in Kansas
Kansas is a no-fault insurance state, meaning drivers must meet required insurance minimums to operate vehicles on local roads legally. Basic liability insurance provides coverage for bodily injury, property damage, and personal injury protection in the event of an at-fault accident.
Drivers looking to reduce liability risk and increase coverage can opt for comprehensive insurance policies. Comprehensive policies provide financial protection for collisions and non-collision-related incidents, including theft, vandalism, natural disasters, and uninsured motorist coverage.
Stiffer Penalties for Distracted Driving
Distracted driving refers to any activity that takes a driver’s focus away from steering and safely navigating traffic.
Examples include texting while driving, eating, drinking, or glancing away from the road. Distracted driving is one of the leading causes of car accidents in Kansas and nationwide. Drivers found guilty of distracted driving may face stiff penalties, including license suspension, fines, and increased insurance rates.
Usage-Based Auto Insurance: Saving Money for Good Drivers
Technological tools that track and monitor driving habits are helping some Kansas drivers save money on auto insurance. National and local insurance agencies now offer discounted rates to drivers with clean records. Students, retirees, and local drivers with good driving histories should contact a trusted insurance agent to learn how they can benefit from usage-based insurance programs.
Do you need an insurance coverage review? Contact the experts at DJ Kauffman Agency in Hutchinson, KS, to get more local driving tips, request a policy review, or receive a comprehensive auto insurance quote today!
