In Overland Park, KS next to politics and religion, the next touchiest subject is probably cheap auto insurance. From deductibles and limits to premiums and promises, everyone thinks they have the best and the cheapest car insurance around.

Most auto insurance companies in Overland Park, Leawood, Lenexa, or Shawnee will offer everyone a variety of insurance products. However, it is most likely most of those people will not have a clear understanding of the offerings. So, just what are those insurance products they offer and what do they mean?

Liability Insurance

Kansas, like most states, has a state minimum liability insurance requirement. The first thing that you will notice about your liability insurance are numbers similar to 10/20/10 or some other numbers in that format.

The first two numbers refer to the limits for bodily injury liability that pays for the other party’s injuries or death should you be at fault. Those numbers mean $10,000 per person with a $20,000 maximum per occurrence. That last number refers to coverage of $10,000 for property damaged from the accident.

Comprehensive and Collision Coverage

First, these are two different coverages, and they are often looped into what you may know as “full coverage.” However, it isn’t true “full coverage.” Comprehensive insurance provides you protection against losses incurred from things other than an accident, such as natural disaster, falling objects, fire, theft, vandalism, etc. Collision insurance will reimburse your losses incurred when you’ve been involved in an accident with your vehicle, including if your accident involves a stationary object.