Like most states, Kansas has minimum basic insurance requirements. The mandated insurance is liability coverage of 25/50/25. This includes $25,000 for physical injuries to the first person in an accident you cause, a total of $50,000 for all injuries, and $25,000 for property damage. At Marla Williams Agency in Kansas, we strive to ensure all our customers have the auto insurance that best suits their needs, and we recommend any additional coverage they may require.

If you have a loan on your vehicle or if you’re leasing a vehicle, basic insurance will not suffice. You’ll need to carry insurance to protect the vehicle you’re driving.

Collision Coverage

Collision coverage helps repair your vehicle if it’s damaged in an accident where you’re at fault. It also covers your vehicle if you’re the victim of a hit-and-run. A deductible must be paid first.

Comprehensive Coverage

Comprehensive coverage covers damage caused by floods, windstorms, vehicle theft, vandalism, or collisions with large animals like deer. It also includes a deductible.

Full Glass Coverage

While glass coverage is part of comprehensive coverage, there’s no deductible if you have full glass coverage so that you can replace your windshield for free.

Gap Coverage

If you have a newer vehicle with an auto loan, you may owe more than your insurance company would pay for its full replacement. Gap coverage pays the difference between the two figures, effectively filling the gap.

At Marla Williams Agency in Kansas, our knowledgeable team is here to help with all your auto insurance needs. Call us today or stop by our office.