According to the Kansas Department of Revenue, over 2 million vehicles were registered in Kansas in 2020. That is a lot of cars on the road. You should know the risks if you add vehicles to your Kansas business operations. This article will examine commercial auto insurance in Kansas and why you need this policy.
Commercial auto insurance is a policy that protects your business's cars, trucks, or other work vehicles. A commercial auto policy has many types of coverage. The two main types of coverage are liability and vehicle damage. Liability protects your business from harm your vehicles inflict. Vehicle damage policies help pay the costs to repair or replace your damaged work vehicles.
If your business owns a vehicle, you likely need commercial auto insurance. Kanasa requires that all vehicles have insurance protection. Businesses need commercial auto insurance to protect them for activities like:
Driving to worksites
Carry materials, tools, and products
Transport clients
Pick up supplies
Meet an accountant or lawyer
Take a look at these statistics for auto accidents in Kansas. This data comes from the Kansas Department of Transportation facts book in 2021. The #1 contributing cause of accidents in Kansas was driver inattention.
| Total traffic crashes | 57,598 |
|---|---|
| Vehicles involved in crashes | 90,045 |
| Alchohol-related crashes | 2,158 |
| Percent of accident fatalities without seatbelts | 54.2% |
| Fatal crashes | 381 |
| Injury crashes | 12,874 |
| Property damage-only crashes | 44,343 |
Your commercial auto insurance will have several standard components.
Insurers split this policy between bodily injury liability and property damage liability. Bodily injury liability pays for damage that your vehicles inflict on others. Propety damage liability, on the other hand, reimburses the financial losses of third parties whose belongings got damaged because of your commercial vehicle.
This policy is also called no-fault insurance. It pays for funeral expenses, lost wages, medical bills, and homecare services for you and your passengers injured in an auto accident. This policy pays benefits regardless of who is at fault.
An uninsured/underinsured policy in Kansas helps you cover medical costs you have that another motorist’s insurance cannot pay for. It pays lawsuit settlements for accidents caused by uninsured motorists and hit-and-run motorists. You are also covered when hit by a vehicle as a pedestrian.
Your collision coverage protects your vehicle when involved in a collision accident. This policy covers events that include:
Collisions with other vehicles on the road
Your vehicle flipping over
Collisions with a stationary object
A comprehensive policy protects your vehicle in other instances of physical damage besides collisions. Examples include:
Hitting an animal
Falling objects
Fire
Windshield damage
Theft
Vandalism
You can customize your commercial auto policy through several kinds of coverage add-ons.
This policy will pay the cost of replacing a damaged or stolen vehicle. You get the money for a brand-new car of the same make and model as the damaged one. Insurers calculate this benefit without factoring in the depreciation cost of your vehicle.
Typically your vehicle has to be less than a couple of years old and not have been driven for too many miles. Insurers may require you to have already purchased other policies on top of this one, like comprehensive and collision coverage.
A roadside assistance policy helps you tow your vehicle out of danger when it breaks down on the side of the road. It can also pay for services like changing flat tires, entering locked vehicles and jumpstarting your battery.
Rental reimbursement pays for rental vehicles you need to continue running your business. This coverage kicks in when a primary vehicle is in the repair shop, and you must make arrangements until it is fixed.
This policy protects against damage to pets that are injured in vehicle accidents. Coverage for pets is not guaranteed in every commercial auto insurance policy.
A gap insurance policy covers the “gap” between your vehicle's value and the amount you owe on a loan. Without gap insurance, you might be stuck paying the loan of a totaled vehicle.
This policy will allow you to cover the costs of broken windshields or other glass on your vehicle. If you have comprehensive coverage, you will not typically need this policy. However, an auto glass policy can protect your windshield at a lower cost than comprehensive coverage.
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Commercial auto insurance Kansas is required by state law. It requires auto liability coverage, Uninsured motorist insurance, and personal injury protection. The following sections describe the limits for the coverage Kansas requires.
Kansas has a 25/50/25 requirement for auto insurance. Any policy you purchase must have these minimum limits.
| Bodily injury per person | Bodily injury per accident | Property damage per accident |
|---|---|---|
| $25,000 | $50,000 | $25,000 |
Kansas law has these minimum requirements for personal injury protection:
$4,500 for medical expenses per person
$900 per month for one year of disability
$25 per day for homecare services
$2,000 for funeral expenses
$4,500 for injury rehabilitation
This policy also requires survivor benefits for the surviving family of the injured party. Survivors get $900 monthly for lost income or disability for up to a year. They also get $25 daily for in-home services for up to a year.
Kansas commercial auto requires minimum coverage of $25,000 per person and $50,000 per accident.
Commercial auto insurance will have standard exclusions you must watch out for. These exclusions include:
Pollution: If you deliver or carry hazardous materials in your vehicle, you need pollution insurance. Commercial auto insurance will not cover costs to clean up spills from these materials either.
Expected acts: Acts likely to cause damage to others or your vehicles are excluded. If you unreasonably use your vehicle, that is not covered. Also, you will not get coverage if you or an employee drives while intoxicated.
War: Your policy will not cover damage to your vehicles from war. Most insurance policies will exclude this event.
Yes. Kansas requires you to purchase personal injury protection or no-fault insurance. A no-fault state means that people injured in auto accidents receive medical payments from their policies, regardless of who is at fault for the accident.
Kansas still allows drivers with severe injuries to sue at-fault drivers to recover damage. Drivers can sue if their injuries total more than $2,000 in medical bills.
The cost of your commercial auto policy may start at $50 per month or $600 per year. Below is a price comparison of different insurers who offer this policy.
| Company | Estimated Monthly Cost | Estimated Yearly Cost | Best for |
|---|---|---|---|
| NEXT | $35 | $420 | Best overall for Kansas commercial auto insurance |
| CoverWallet | $38 | $456 | Comparing quotes with multiple insurers |
| The Hartford | $41 | $492 | Insurance expertise for commercial auto insurance |
| Tivly | $43 | $516 | Connecting with big-name insurers |
| Thimble | $46 | $552 | Getting coverage quickly |
| Hiscox | $49 | $588 | Small business insurance |
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See what makes the best Kanas commercial auto insurance companies a great fit for your business in the reviews below.
Excellent customer experience
Instant quotes take less than 5 minutes
Has gap insurance for your commercial auto insurance
Covers you when driving out of state
None found
NEXT uses AI-based technology to deliver an affordable commercial auto insurance policy. You can pick policies like gap insurance, rental reimbursement, and towing coverage. They have an A- rating with AM Best. AM Best rates insurers based on their financial strength and other factors. NEXT also has a B+ from the Better Business Bureau.
Best for: Best overall for Kansas commercial auto insurance
Average cost: $35 per month
Our rating: 10/10
Providing insurance for more than 211 years
Local agent network
Additional perks for AARP members
The purchase process can be confusing for some customers
The Hartford is an insurer with lots of expertise in their policies. The company offers customized commercial auto insurance that helps you meet Kansas requirements. The Hartford has a 4.8 rating in their customer reviews and an A- rating from AM Best. Their direct premiums will exceed $11 billion in 2022.
Best for: Insurance expertise for commercial auto insurance
Average cost: $41 per month
Our rating: 10/10
Online digital platform
Choose from 10+ partners
Focus on commercial insurance policies
Not an insurance company but an insurance broker
CoverWallet offers a convenient way to compare insurance quotes with top A-rated insurers. They provide the standard policies you need for your commercial auto insurance. CoverWallet has an A+ rating from the Better Business Bureau.
Best for: Comparing quotes with multiple insurers
Average cost: $38 per month
Our rating: 10/10
Connects you with partners like The Hartford, Liberty Mutual, and Progressive
4-second customer service answer rate
Works best with small businesses
You need to call to compare quotes
Tivly is an insurance platform with the best selection of insurance partners on this list. You get access to commercial auto policies you need, like personal injury protection. This policy is required for Kansas commercial auto insurance. The Better Business Bureau gave Tivly an A rating. Call now to compare quotes over the phone.
Best for: Connecting with big-name insurers
Average cost: $43 per month
Our rating: 10/10
Markel underwrites some policies
A-rated insurance partners
Quick quote process
Coverage is limited to specific industries
Thimble is an insurer with several A-rated insurance partners. They offer quick and simplified policies so you can fix lapses in coverage quickly. You can choose the month, day, and hour of your policy. Fast Company rated them as one of the most innovative companies of 2021. Thimble has an A+ from the Better Business Bureau.
Best for: Getting coverage quickly
Average cost: $46 per month
Our rating: 10/10
4.7/5 rating from over 12,000 reviews
14-day refund policy for insurance
Flexible payment options with no extra fees
Limited online capacity
Hiscox has origins that go back to 1901. They are an insurance provider with vast experience writing insurance and operates in 14 countries. Most of their customers are small businesses, so your business will feel right at home. Hiscox has a financial strength rating of A from AM Best. AM Best rated them with an A+ for their long-term issuer credit.
Best for: Small business insurance
Average cost: $49 per month
Our rating: 10/10
1 / 5
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
1 / 5
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
1 / 5
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
5 / 5
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
5 / 5
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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