At A G Insurance, we work with many nationally recognized insurance carriers to offer affordable car insurance policies without making sacrifices in coverage. Whether you are in Lecompton, Oskaloosa, or Meriden, every motorist in Kansas is required to have an Auto Insurance Policy, but do the minimum requirements offer adequate coverage for you and your vehicle?
There are a number of coverage options and plans available when it comes to Auto Insurance. Whether you are a new driver searching for your first policy, a seasoned driver looking to save money by reducing your current rate, or simply have questions about car insurance and specific types of coverage, our team of experts can help you. Let’s take a look at the most common coverage options available in a typical policy.
Liability insurance covers damages to another party and/or their vehicle when you are the individual who is responsible for an accident. It the event you are sued by another motorist, liability insurance also provides coverage to defend you from any such lawsuits. There are different levels of liability coverage available. Kansas law mandates a certain level of liability coverage for all insured drivers. We will work with you to determine a level of coverage that not only fits your budget, but also provides you with the protection you need.
Kansas law also requires a minimum level of Personal Injury Protection (PIP or No Fault) coverage as well as Uninsured/Underinsured Motorist coverage. Personal Injury protection will pay for medical expenses, lost wages, rehabilitation, and funeral expenses for you and your passengers, regardless of who is responsible for an accident. Uninsured/Underinsured Motorist provides coverage for you and your passengers for medical costs, rehabilitation, and funeral expenses resulting from an accident caused by an uninsured or underinsured driver.
Many optional coverage types are available such as collision coverage, comprehensive coverage, loan/lease gap coverage, rental car coverage, and roadside assistance/towing coverage. The most common additions to a standard auto insurance policy are collision and comprehensive coverage. These two forms of coverage are available to protect the investment you have made in your vehicle.
Collision coverage will cover damages to your vehicle in the event you were to hit another car, an object in the road, or were to overturn your car. Often, your bank or lender may require you to have a certain level of collision coverage if you have financed or leased a vehicle. It is important to take into account the age and condition of your vehicle when considering collision coverage for your policy. It may not make sense to add collision coverage if have an older vehicle that is no longer of much value.
There is also coverage available to protect your vehicle when it is damaged by something other than a collision called Comprehensive Coverage. This particular coverage would include protection against damages caused by vandalism, fire, theft, natural disaster, and other non-collision related damage.
Please contact us at 785-597-2444 if you are in the market for a new policy, or if you have any questions about any existing auto insurance policy or Kansas coverage requirements. Our experts are here to help you choose an affordable policy that meets all of your coverage needs. You may use our Auto Insurance Tool to get started as well!
AG Insurance specializes in the following insurance programs within Jefferson, Jackson, and Pottawatomie counties:
• Auto Insurance
• Homeowners Insurance
• Farm Insurance
• Business Insurance
• Farm Vehicle and Commercial Auto Insurance
• Life Insurance
• Flood Insurance
• Horses, Rodeo & Equine Events: Please call for details