KIA Car Insurance

Kia car insurance can mean a lot of different things. Some coverage is not optional and Kia drivers do not have a choice but to purchase it.

Other types of insurance are a good idea for a Kia owner to consider.

The type of insurance system of each state may also play a role in the type of coverage Kia owners will seek.

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Types of Kia Car Insurance

Every state has minimum car insurance requirements for liability insurance, but some states practice a form of the no-fault system and others operate under a tort system.

Liability Coverage

Liability coverage is the type of Kia car insurance that does not give drivers a choice. Each state has a limited amount of liability insurance that they want their drivers to have in case of a car accident.

If someone driving a Kia runs into another vehicle, the other driver’s vehicle will be damaged.

The driver of that other vehicle may suffer injuries that will require medical attention.

The driver who was hit out of no fault of her own will not be responsible for paying to have her vehicle repaired or her medical bills; this will be the responsibility of the person who caused the collision.

After someone has been found at fault in the car collision, this driver receives the bills for the property damage and the medical expenses; this is why drivers have liability insurance.

Liability insurance is not actually Kia car insurance because it is the insurance that will pay for the property damage of the car the Kia hits; it also pays for the medical costs of the driver and/or passengers injured in the car crash.

The State of California’s Minimum Requirements

As an example, people who drive Kias in California will need California car insurance that are equal to 15/30/5:

• Bodily Injury Liability (one person); $15,000 for one person who was injured or killed in a car collision.
• Bodily Injury Liability (entire accident); $30,000 for at least two people who were either hurt or killed in the collision.
• Property Damage Liability (entire accident); $5,000 total for all property damage.

The No-Fault System

With the state’s minimum requirements, one driver or another has to be assigned blame for being the cause of the accident.

In states that have no-fault car insurance system, this is no longer the case. In a no-fault system state, neither driver is decided to be the instigator of the accident.

With a no-fault system, the people injured in the car collision must forgo the right to sue the other driver for:

• Pain and suffering
• Permanent disabilities
• Permanent disfigurement

Because no one has been declared the cause of the car collision, no one is required to pay for anyone else’s medical expenses and property damage bills.

The Kia car insurance coverage these drivers have will pay these expenses.

The Tort System

Several states follow the tort system, and it is a system in which the insurance companies need to find the driver who has caused the accident.

Unlike the no-fault system, under the tort system, drivers can sue each other for non-economic losses such as pain and suffering.

The salary that people lose when they are forced to recover from a car collision is also within the financial responsibility of a driver found at fault.

Full Tort and Limited Tort Coverage

With full tort coverage, policyholders reserve their rights to sue other drivers for those non-financial costs of being injured in an accident.

Those who choose limited tort coverage because they would like to lower their auto insurance premiums waive their rights to sue for various reasons.

They may be injuries that the court does not deem to be of a serious nature. One should compare car insurance coverages before settling on a provider!

The legal definition of serious injuries includes:

• Death
• Permanent scarring
• Serious disabling of a body part such as the legs

Injuries that will not necessarily be considered serious under the legal definition include:

• Broken bones that have healed
• Whiplash that is no longer causing pain
• Injuries to the head that are not permanent

Kia drivers who are looking for Kia car insurance have several choices to make. The more Kia car insurance that Kia owners choose to purchase, the higher their premiums will be.

But for the most part, vehicles such as the Kia that are less expensive are generally insured by auto insurance companies for lower rates.

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Coverage That Will Increase Kia Car Insurance

The point when a Kia may not be so inexpensive is when Kia owners decide to add more coverage than they are required to have.

Those who purchase only the minimum requirements may decide to purchase more Kia car insurance that will cover their own bodily injuries and property damage in case they cause the accident.

Purchasing this optional coverage will raise the rates for these drivers.

Those who decide to purchase limited tort coverage will not have high insurance premiums because of it, but those who purchase full tort will be charged considerably more.

Compare Quotes to Lower Kia Car Insurance

Purchasing extra Kia car insurance isn’t as hard as it may seem.

Seeking several car insurance quotes for Kia car insurance will help them find the auto insurance coverage they want for the low rates they would expect for a Kia automobile.

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