Do I Have to Have Motorcycle Insurance in Kansas?
Will I have to purchase insurance before getting on my motorcycle?
You just bought a motorcycle. You have your helmet, gloves, boots, jacket, and riding pants. But you might be forgetting something — your motorcycle insurance. Just like most other states, Kansas requires motorcycle riders to have insurance.
Minimum Insurance Requirements
In Kansas, you are required to have the following types of insurance:
- Liability coverage. You will need $25,000 for death or bodily injury to one person, $50,000 for death or bodily injury to two or more people, and $10,000 for property damage.
- PIP coverage. You will need $4,500 per person for medical costs, $900 per month for one year of disability and loss of income, $4,500 for rehabilitation, $2,000 for funeral or burial expenses, and $25 per day for in-home services.
The owner of a motorcycle, who is the named insured, shall have the right to reject in writing insurance coverage including such benefits for injury to a person which occurs while the named insured is operating or is a passenger on such motorcycle or motor-driven cycle. …The fact that the insured has rejected such coverage shall not cause such motorcycle or motor-driven cycle to be an uninsured motor vehicle;
- Uninsured/underinsured coverage. You will need $25,000 for bodily injury per person and $50,000 for injuries to two or more people.
It is important to ensure you carry at least the minimum amount of insurance before you ride your bike. Not only will you be unable to register your motorcycle without doing so, but you will also face fines and license suspension. Plus, you will be on your own if you are ever in an accident; you will have to pay for all your damages out of pocket.
Additional Insurance
The minimum requirements listed above are just that: the minimum. Motorcycle accidents often result in catastrophic injuries due to a lack of protection. Therefore, you may want to consider additional coverage. UNINSURED MOTORIST COVERAGE IS FOR YOU, IF YOU ARE INJURED. Collision coverage will cover your bike in an accident under nearly every circumstance. Comprehensive coverage is another good option, as it will cover events such as fire, floods, wind, theft, and vandalism.
Contact Our Kansas Personal Injury Attorneys Today
Motorcycle insurance may seem like a hassle (and an unnecessary cost), but it is for your own protection. Injuries from a motorcycle accident are often catastrophic, so you will appreciate having coverage if something does happen to you.
Injured in a motorcycle accident? The Kansas personal injury attorneys at Neustrom & Associates will work hard to get you the compensation you deserve for all your injuries. To schedule a free consultation with our office, call (785) 825-1505 or fill out the online form.