Auto and Car Insurance

Don’t Let One Accident Hurt Your Record

We understand that accidents happen. On the road, there are many situations that are outside of your control and sometimes cannot be avoided. At Kansas Insurance, we don’t want an accident to hurt your driving record, or even cause your rates to go up. With the right coverage, you can be forgiven for your first chargeable accident through Accident Forgiveness.

Under Accident Forgiveness, if you’re involved in an accident, your rates won’t increase – even if the accident is your fault. This applies only one time per policy, and once it’s been used, you’ll be eligible to receive it again three years later.

Contact a representative at Kansas Insurance today to find out how you can receive the benefits of Accident Forgiveness for your Auto Insurance policy.

Bumper-to-Bumper Protection for Your Auto

For most drivers, a car is more than just a means of transportation – it’s an investment. And if you’re involved in an accident, you’ll want to ensure that your investment is protected. With Collision Coverage from Kansas Insurance, you can have damage to your car insured under your policy – whether the damage is a result of an accident with another vehicle or some other object.

How Much Collision Coverage is Needed?  

Different drivers require different coverage options for their Auto Insurance policies. Determining the right amount of Collision Coverage depends on factors like the age and year of your car, as well as your financial situation. An insurance specialist from Kansas Insurance can help you find an insurance option that best fits your budget.

In addition to protecting you and your car from collisions, we offer benefits that range from rewards and incentives to extended coverage. Our enhancements include: Diminishing Deductible, GAP Coverage, and Accident Forgiveness for better assurance.

• Diminishing Deductible rewards you with credit towards your collision deductible simply for being an accident and violation-free driver.
• GAP Coverage picks up the difference when a settlement from an accident is less than the actual amount you owe on your vehicle loan.
• Accident Forgiveness ensures that your rates won’t increase because of a single accident.

Contact Kansas Insurance today to see if you qualify for, or want to learn more about Auto Insurance enhancements that can help save you money.

Security On and Off the Road

Your Auto Insurance policy already gives you peace of mind behind the wheel. But more than just accidents happen, and with the right policy from Kansas Insurance, you can make sure that the security of your automobile doesn’t stop the moment you pull into the driveway. Comprehensive Coverage insures your vehicle and equipment against damage and expenses that result from something other than a collision.

At Kansas Insurance, we know that life is full of surprises, and with Comprehensive Coverage you can be prepared for all of them. Our team of asset protection specialists can prepare a plan that works for you with a variety of impressive features to insure your car against damages or loss resulting from:

• Theft or Larceny
• Vandalism and Glass Breakage
• Fire Damage
• Hail, Water, or Flood Damage
• Hitting a Deer or Other Animal
• Damage from Falling or Flying Objects

Other Non-Collision Related Services

In addition to Comprehensive, Kansas Insurance can also offer other non-collision oriented services for you and your car, like Roadside Assistance and Diminishing Deductible.

• Roadside Assistance provides you with advantages like lockout assistance, jump starts, and towing up to 15 miles – all in one convenient package.
• Diminishing Deductible commends you for being an accident and violation-free driver with an annual credit reward towards your collision deductible.

Good Drivers deserve Great Rewards

As a driver, safety should be one of your top concerns – safety for your passengers and for other drivers on the road. When you find the right coverage with Kansas Insurance, you’ll learn that being a responsible driver has its benefits. With Diminishing Deductible, you can actually get rewarded for being an accident and violation-free driver.

When you sign up for Diminishing Deductible, you’ll receive an immediate $100 credit on your deductible. From there, you can add $100 more credit for every year – simply by being a safe driver. Drivers under Diminishing Deductible can receive up to a maximum of $500 credit.

For even more options, talk to a representative at Kansas Insurance about the Total Loss Deductible Waiver. If your car gets totaled in an accident, and if you’re covered under this waiver, you won’t be responsible for paying your deductible.

It’s just one more way that Kansas Insurance can provide quality coverage options for safe drivers.

Ensure that You’re Insured

If an accident happens, having the right amount of insurance can benefit you personally, financially, and legally. With Liability Coverage, you can be insured if you’re held responsible for a car accident by having any medical payments for injuries sustained to drivers, passengers, and pedestrians, as well as bills for property damage covered.

If you become legally liable as a result of a collision, liability also helps to pay for legal defense costs if you get sued.

Components of Liability

There are two main components to Auto Liability: Bodily Injury and Property Damage liability.

• Bodily Injury Liability helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income and pain and suffering.
• Property Damage Liability takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.

If you’re involved in a serious auto accident, Liability Coverage can benefit you by providing critical protection against the loss of your home, savings, and income. Not only is having liability a good idea, but most states require that drivers have it in order to be legal on the road.

It’s important to have enough insurance to keep all of your assets protected and not all auto policies are the same. Contact a representative at Kansas Insurance today for more information about what Liability Coverage can do for you.

You Can’t Put a Price on Safety

When it comes to the safety and security of you and your family, nothing should be left to chance. If you or your loved ones get involved in a car accident, your number one priority should be to make sure everyone receives the care and treatment they need – at a cost that keeps your finances and savings intact.

Being insured with an auto policy that includes covering Medical Payments ensures that most medical expenses will be taken care of if you or a family member is injured in an auto accident as either a passenger in the car, or as a pedestrian struck by an auto. This coverage applies the same regardless of who is at fault and extends to the policyholder’s family members, as well as any passengers in the vehicle.

The rising cost of healthcare has made paying out of pocket for major medical expenses extremely difficult. If you worry about not being able to take care of your family in the event of an accident, keep in mind that with the right Auto Insurance policy, you won’t have to anymore.

Contact Kansas Insurance today to learn about how the right coverage can keep those you care about most protected.

Get Back On the Road Faster

We understand that your days are busy, and between work and your family, not having a car is typically out of the equation. If your vehicle is left out of commission after an accident or theft, Kansas Insurance offers Rental Reimbursement services so that you won’t miss a beat.

Rental Reimbursement is an optional coverage option that provides for the expense of renting a substitute vehicle while yours is being repaired or replaced. Since benefits and details vary by insurance policy, it’s important to speak with a specialist at Kansas Insurance to make sure you know what’s covered and to see if you qualify for this additional service.

Help On the Go

On the road, anything can happen. From flat tires to breakdowns, it’s best to be prepared for it all. At Kansas Insurance, we’re proud to offer the following packages of Roadside Assistance* coverage through Allied Insurance’s trusted “Sign and Drive” service:

• Basic Package. This package includes towing up to 15 miles, fuel delivery, lockout, jump starts, flat tires, and membership discounts.
• Plus Package. This includes everything in the Basic Package, plus towing up to 100 miles, trip interruption coverage, turn-by-turn directions, pre-trip map routing, and emergency messages.

With Roadside Assistance, you’ll never be alone behind the wheel. Contact Kansas Insurance today to find out how you can get signed up.

Services apply while driving any vehicle with any occupant from an Allied household (insureds and in-home relatives).

*Roadside Assistance coverages and availability vary from state to state. Please contact a representative at Kansas Insurance for full details.

It’s More Than Just a Hobby

Whether it’s an antique, a collectible, or your own custom-built roadster, your Specialty Auto is a labor of love. If you’re like most enthusiasts, you’ve poured many hours of time and effort into making your auto something unique and special. At Kansas Insurance, we realize that when you’re cruising down the strip, speeding across the track, or making heads turn at a show, the last thing you want to worry about is whether you have the right insurance.

We believe that your specialty car is not only a major investment, but also an extension of you. And a vehicle as unique as its driver requires more than a standard insurance policy. That’s why we’re proud to offer a variety of specialized coverage options for the following vehicles:

• Collectibles
• Antique and Classic Cars
• Hot Rods
• Custom-Built Cars
• Show Cars
• Race Cars

With options and choices ranging from agreed value coverage to spare parts coverage, Kansas Insurance can provide you with the tools you need to insure your timeless automobile. We even offer multi-vehicle discounts for avid collectors.

Whatever your situation, you can rest assured that your Specialty Auto is protected with Kansas Insurance.

Help When You Need It Most

Your car gives you the freedom to take on the open road. Whether you’re enjoying the scenic countryside or driving to your favorite vacation spot, your adventures can be more enjoyable knowing that help is right around the corner with the convenience of Towing services.

In the event of an unexpected breakdown, the last place you’ll want to be is stranded on the side of the road, or stuck with costly towing fees. By adding Kansas Insurance’s optional Towing coverage to your Auto Insurance policy, you’ll get the peace of mind knowing that no matter where your journeys take you, you’ll never be alone.

In addition to our Towing coverage, Kansas Insurance also offers Roadside Assistance packages that include valuable extras like fuel delivery, turn-by-turn directions, jump starts, flat tire repair, and more. Contact a representative at Kansas Insurance today for more information.

Round-the-Clock Service for Your Convenience

At Kansas Insurance, we strive for quality service with your convenience in mind. By offering 24/7/365 support, we’re here to serve you – when you need us most. Since accidents and non-collision oriented situations can fall outside of normal business hours, we’ve partnered with Allied Insurance’s On Your Side® service center to provide you with extended hours in case you need assistance.

For claims, accidents, billing information, and more, you can contact an Allied representative 24 hours a day, seven days a week at 800-282-1446.