Automobile Insurance

Whether you’re commuting across Wichita or hitting the highway, the right auto insurance keeps you protected from life’s curveballs. At Thomas L. May Insurance Services, we help drivers secure personalized policies that balance protection, compliance, and affordability—without the hassle of navigating coverage alone.

Do I Need Auto Insurance?

Auto insurance is legally required in Kansas—but more importantly, it helps protect your vehicle, your finances, and everyone on the road.

Protects Against the Unexpected

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Accidents, weather, and theft can cause major setbacks. Auto insurance helps cover the damage and get you back on the road.

  • Pays for repairs or replacement after a covered loss
  • Protects against hail, fire, theft, and vandalism
  • Reduces out-of-pocket expenses after an accident

Satisfies State Requirements

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Kansas drivers must carry minimum liability coverage. We’ll help you meet legal standards and choose additional protections as needed.

  • Keeps your registration and license valid
  • Helps you avoid fines or penalties
  • Ensures compliance with DMV and lender rules

Covers Medical and Legal Costs

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Auto insurance protects you financially if you or others are injured in an accident—whether you’re at fault or not.

  • Covers medical bills for you or others
  • Helps pay legal fees if you’re sued
  • Provides uninsured/underinsured motorist protection

Offers Specialized Protection

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From liability-only to full coverage with extras, we help tailor policies to fit your driving habits, vehicle, and risk tolerance.

  • Add coverage for rental cars or towing
  • Bundle multiple vehicles for savings
  • Explore deductible and premium options

Depending on your needs, coverage options may include:

What Does Auto Insurance Cover?

Liability Coverage

Helps pay for injury or property damage you cause to others.

Collision Coverage

Pays to repair your car after an accident

Comprehensive Coverage

Protects against theft, fire, weather events, and vandalism.

Uninsured/Underinsured Motorist Coverage

Covers you when the other driver isn’t properly insured

Medical Payments/Personal Injury Protection

Helps pay for medical expenses related to an accident.

Medical Payments (MedPay) – Helps cover accident-related medical expenses

Uninsured/Underinsured Motorist – Covers you when the other driver isn’t properly insured

Understanding Auto Insurance Policies

We'll guide you through options like:

  • Standard Personal Auto Policy (PAP)
  • High-risk or non-standard coverage
  • Teen/young driver policies
  • Classic or collector car insurance