Coverage & Claims

Will PIP pay for my medical bills?

Yes, personal injury protection (PIP) should cover any injuries resulting from an accident regardless of whether or not it was a single-vehicle accident. I would file a claim as soon as possible.
Jun 18, 2020 Pittsburg, KS

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Most Recent

Coverage & Claims

If I have two separate insurance claims to file, do they tally the two claims to determine if the car is totaled?

The claims department will want to do whatever is the least expensive option. They will likely add the damages together to decide what to do.
Jan 27, 2020 Mulvane, KS

General Insurance

Can I get insurance for a car with an accident report?

Yes, you can buy a vehicle that has been in an accident. If the car has a salvaged title, you may not be able to add "full coverage" (comprehensive and collision coverage) so make sure to check with the company you decide to go with.
Jul 29, 2019 Topeka, KS

Eligibility

Can I get car insurance with just a state ID in Kansas?

Yes, there are several companies that will insure you without a license. Some companies will require you to get a license within a certain time frame so make sure to find out the details before getting a policy.
Jul 9, 2019 Lenexa, KS

Coverage & Claims

After an auto accident where my car was totaled, can I change my coverage from full to liability only to keep my rates down?.

Yes, you can downgrade your coverage to liability only until you get a new car. It is true that you should maintain coverage if you plan on getting a new car soon in order to keep the rates down.
Jul 1, 2019 Leavenworth, KS

Coverage & Claims

Will car insurance cover replacing a window?

If the window breaking was caused by an accident, it is covered by your insurance. If it wasn't, then it is not likely to be covered even if you have comprehensive and collision coverage, as these cover damages resulting from events such as fire, theft, or vandalization, and not a malfunction with the vehicle.  Check out out the following resources for more information: Warranty vs.
Jun 10, 2019 Eldorado, KS

General Insurance

Where can I purchase gap insurance via auto insurance?

Some companies will offer something similar to gap coverage if you cannot purchase it through your finance company. Sometimes, this coverage will pay a percentage of what you owe.
Apr 8, 2019 Olathe, KS

Coverage & Claims

How does a DUI affect my claim?

You definitely need to tell your insurance company exactly what happened. Depending on the specifics of the situation, some companies will not cover accidents caused by driving under the influence.
Jan 17, 2019 Pleasanton, CA

Eligibility

Do I need non-owners for a policy I am borrowing?

If your mom will be borrowing a car that she does not own, she needs to be listed as a driver on the owner of the car's insurance policy. A non-owners policy is for someone that may drive occasionally but does not have regular access to a specific vehicle.
Jan 16, 2019 Baxter Springs, KS

Eligibility

How long can insurance companies hold DUI against you in Kansas?

The lookback for DUI is 10 years in Kansas. The other thing your husband would need to think about is if his job requires him to drive.
Oct 12, 2018 Great Bend, KS

Coverage & Claims

My liability only car was hit by a stolen vehicle

Unfortunately, the owner of the vehicle that was stolen isn't liable because the fact they didn't give permission to the driver negates any coverage. The individual who stole the vehicle and caused the damage is responsible.
Jun 19, 2018 Hutchinson, KS
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