September 21, 2021

MISSOURI — The insurance company that covers the cars that drive in Kansas will start selling a new insurance policy next month that will cover people who drive their own cars, a move that some experts see as a way to boost insurance premiums and expand coverage for those who can’t afford to buy their own insurance.

The Kansas Department of Insurance announced Friday that it will start offering a new policy covering vehicles and the driver and passengers under the age of 25 that are owned or leased by an insurance company, according to the Associated Press.

It will cover the cars of the owners and employees of those companies, and anyone who is 18 or older.

The move is part of the effort to expand coverage to people with disabilities and older people.

The insurance company behind the new policy, Allstate Insurance, has been working to improve its customer experience with the new coverage, and it said the new policies will include the same policies as the current ones that cover people under 18 and disabled people.

“The current coverage offered by Allstate is just not up to the expectations of our customers, and we are excited to be able to offer a new product that meets the needs of our consumers and will enable them to drive in our state,” Allstate spokeswoman Sarah Anderson said in a statement.

The policy also will cover vehicles and their occupants when the driver is on a business trip.

It will cost customers an average of $2,500 a year, but Allstate expects the new insurance plan to generate a net profit of more than $200 million.

The company said the company will begin selling the policy in the first quarter of 2018, and the state will collect the insurance fee on the first $50,000 of claims.

In the past, companies have offered policies covering the vehicles of their employees.

But these policies have never offered the same coverage as those for their drivers, and most people who purchased a policy after a catastrophic accident would have been left with no coverage.

The policy covers only the vehicle, not the occupants.

The new policy is similar to one that Allstate offered for a year in 2015 and was the first of its kind to cover vehicles.

That policy covered drivers on short-term trips and for people who are blind or have special needs.

A state-run agency, the Insurance Department of Kansas, has long struggled to offer universal coverage.

Insurance companies have been reluctant to accept the cost of policies for people with little income, but the state’s population of about 11 million makes it one of the fastest growing areas in the country.

“I think it’s a good idea,” said Tom Bowers, president of the Kansas Association of Insurance Agents and Brokers, which represents insurance agents.

“We’ve got a lot of people that we’re going to have to talk to and try to figure out how to get people covered, and how to keep them insured.

It’s not a perfect situation.”

The new plan will likely cost more than the $2.6 million in premiums that were expected from Allstate’s previous policy, said Bowers.

That means the company could be paying less than what it would have to pay for the policy, which would not be affordable for many people, he said.

Some experts said the coverage could increase premiums because it will cover a much larger percentage of drivers than had been previously the case, and because some of the people who bought insurance last year were not covered.

“I think the premiums would go up, I think that people will get sicker, and that’s the bad news,” said Michael D. Smith, chief executive of the Missouri Insurance Association.

“The good news is that you are getting a better rate, because you are covering a larger percentage, which is a big plus.”

Smith said he is not convinced that the coverage will increase insurance costs for most people.

“There is no guarantee that it is going to lower the premium,” he said, adding that the plan is not necessarily better for older people or people with other chronic conditions.

Allstate did not immediately respond to a request for comment.