Three reasons you need car insurance that you might not think of.
Everyone has a general idea they need car insurance. You probably understand that if you are at fault it will protect you. There are many important reasons to get car insurance to protect you and your family. Here are three.
Reason One to get car insurance: It's the lawIf you don't own a car you are not required to have insurance. If you own a car in Kansas, you must have auto insurance unless it's included in a self-insurance plan or it's an approval auto training car or is exempted from the act. The owner also has an obligation not to allow the vehicle to be used if it is not insured. You have an obligation not to knowing drive a car that is uninsured. You must produce proof of insurance to the police if they ask. Special rules for car dealers all them to be self-insured.
Reason Two to get car insurance: PenalitiesFirst, there are penalties for failure to comply. Second, besides fines and potentially losing your license the law limits your recovery from an at fault driver. If you must have auto insurance and do not then, in Kansas as well as in many other states you lose your claim to recover noneconomic loss in any lawsuit against the driver at fault. To get around this penalty, in Kansas you would have to show the court by clear and convincing evidence you didn't know your car was uninsured or show you lost your coverage within that last 45 days and had continuous coverage for the previous year
Reason Three to get car insurance: Benefits for you and your familyFinally, if you don't have insurance, you will not have important benefits for you and your family. Besides the liability coverage, if you don't get coverage then you don't have uninsured or underinsured coverage. If you have insurance and the at fault driver doesn't you can file a claim against your insurance. If you have an accident and the at fault driver's limits are too low to cover your claim you may have a claim against your underinsured policy. You lose all these benefits by driving uninsured. Also if you have car insurance you will have what is called no-fault coverage that will provide you certain benefits even if you are at fault. In Kansas this is called Personal Injury Protection which will pay a loss of wage, loss of income, medical bills, rehab costs, death benefits and other benefits. You get these benefits by contacting your own insurance company after the accident. If they do not voluntarily provide the benefits or you have questions be sure to call a lawyer.