The state of Kansas requires drivers to own car or auto insurance liability policy at all times, as in many states, there are obliged and optional coverage. Proof of owning the right car insurance policy is required at all times, law enforcement officers may ask for this proof and you must comply by showing a valid insurance ID card. This card must be provided by the insuring company at the moment when you acquire this service for the first time or when you renew your auto insurance policy with them.

As most common in other states, Kansas law requires drivers to own liability coverage for one or more person bodily injury, property damage, Personal Injury Protection, Uninsured and under insured motorist, in the following amounts:

• $25,000 bodily injury for one person
• $50,000 bodily injury for more than one person (per accident)
• $10,000 for property damage
• $25,000 for uninsured/under insured per person
• $50,000 for uninsured/under insured per accident

Additional coverage is available to be purchased, most commonly acquired extra auto insurance coverage are Uninsured / Underinsured motorist, Collision and Comprehensive.

Uninsured and Underinsured Motorist coverage can be used when the person responsible for the accident has insufficient insurance coverage to pay for your damage and injuries. It also pays for when the person held responsible lacks completely of insurance. During a hit and run situation, this can also help pay for your vehicle's reparations.

Collision coverage is used to pay for physical damages caused to your vehicle, no matter if they were caused by a collision with another vehicle or by hitting a non moving object, such as a light pole, a wall or any other parked object. Collision coverage will never pay for medical or legal expenses.

Comprehensive coverage is also available; this type of coverage will help fix your vehicle after damage has been caused by events not related to a collision with another vehicle. These events can be caused by extreme weather, such as tornados, rain, wind, etc. Also it helps pay for vandalism and any physical damage caused by theft.

Keep always in mind that a liability insurance policy will only cover all the others but the insured, so you won't be able to pay any medical or legal bills or fix your car with this coverage. This is why the previous additional coverage types are highly recommended.