When you buy an auto insurance policy, you are actually buying several individual coverages.
Each coverage protects you against different types of losses. A brief description of the six basic coverages is provided here. Bodily Injury Liability* pays for the other person’s medical expenses, rehabilitation, funeral costs, and other covered costs, if you or your family are at fault in an auto accident. It also pays for settlement of lawsuits and your legal expenses. Property Damage Liability* pays when you or your family members damage other property in an accident. It pays for repair, replacement, or cash value of the other owner’s property. It also pays for your legal expenses. Personal Injury Protection (PIP or No-fault)* pays for medical expenses, rehabilitation, funeral expenses, lost wages, and in-home assistance for you and your passengers injured in an accident, regardless of who is at fault. Passengers who own their own cars collect under their policy. Uninsured/Underinsured Motorist Protection* pays you or your passengers for medical, rehabilitation, and funeral costs. It also pays settlements of lawsuits resulting from an accident caused by an uninsured, underinsured or hit-and-run motorist. You and your family are covered as pedestrians or when riding your bike. Collision pays for the repair of your car in a collision or rollover. Comprehensive pays for damage to your auto resulting from windstorm, fire, hail, etc.

Kansas law mandates that every automobile insurance policy sold in the state must have these minimum coverages:
Liability coverage
$25,000/person for bodily injury
$50,000/accident for bodily injury
$10,000/accident for property damage
Personal injury protection (PIP or No Fault)
Minimum amount required by law:
$4,500/person for medical expenses
$900/month for one year for disability/loss of income
$25/day for in-home services
$2,000 for funeral, burial or cremation expense
$4,500 for rehabilitation expense
Survivor Benefits: Disability/loss of income up to $900/month for one year
In-home services up to $25/day for one year
Uninsured/Underinsured
$25,000/person
$50,000/acciden

How Your Rates Are Determined
Generally speaking, two factors govern what you pay for auto insurance: Underwriting and Rating Underwriting is when an insurance company considers your application for auto coverage, it will take into account a number of different factors about you and your driving habits. Just because you apply with a certain company does not mean you will be provided coverage by that company. If approved for coverage, some of the factors that will influence your premiums are: driving record, where you live, your car make and model, how much you drive, gender, age, and prior insurance coverage. After completing the underwriting, the insurance company will place you in one of the three basic categories of drivers listed below. Each company adopts its own rating system for deciding whether to insure a person. Those with the lowest risk factors (least likely to have a claim) will receive the lowest rates.

Preferred— This category is intended for drivers that companies consider to be the best risks, which usually means the safest drivers. These drivers usually haveclean driving records over the past three to five years. They are given the lowest rates.

Standard— This category is intended for moderate risk drivers. The rates are higher than the preferred rates. These drivers are usually driving family-type cars and have a reasonably clean driving record.

Non-Standard— This category is intended for drivers that companies consider to be high risk. Usually drivers in this category have the highest rates. These drivers may include under age 25 drivers with less driving experience, drivers with tickets or accidents, drivers with a poor premium payment history, and drivers with a reckless or drunk-driving history.