Minimum Car Insurance in Kansas

Every Kansas vehicle owner must carry motor vehicle liability insurance with limits of at least $25,000 for bodily injury or death of one person in any one accident, $50,000 for bodily injury or death of two or more people in one accident, and $25,000 for damage to others' property in one accident (25/50/25). Policies must also include personal injury protection (PIP) benefits and uninsured/underinsured motorist coverage. Minimum PIP benefits include medical benefits of at least $4,500 per person, disability (lost income) benefits of at least $900 per month for up to one year, rehabilitation benefits of at least $4,500, survivors' benefits of at least $900 per month, funeral benefits of up to $2,000, and substitution (essential services) benefits of up to $25 per day for up to 365 days. Owners of vehicles under an approved self-insurance plan are exempt from the insurance requirement.

Kansas is a no-fault state. Every policy must include personal injury protection (PIP), which pays the injured person's own medical, lost-income and related benefits up to the required limits regardless of fault. An injured person may sue the at-fault driver for pain, suffering, mental anguish, inconvenience and other non-economic loss only if medical treatment has a reasonable value of $2,000 or more, or the injury involves permanent disfigurement, a fracture of a weight-bearing bone, a compound, comminuted, displaced or compressed fracture, loss of a body member, permanent injury, permanent loss of a bodily function, or death.

Uninsured motorist coverage is required in every auto liability policy for a vehicle registered or principally garaged in Kansas, with limits equal to the bodily injury liability limits sold to the named insured, and it must include underinsured motorist coverage. The named insured may reject, in writing, only the portion of UM/UIM coverage above the state minimum bodily injury limits; that rejection binds everyone insured under the policy and carries over to later policies from the same insurer unless the named insured asks in writing for the coverage.