Kansas Auto Coverage Requirements
Kansas is a no-fault state, which changes how auto injury claims are paid and is a favorite exam topic.
No-Fault (PIP) System
Kansas is a no-fault state under the Kansas Automobile Injury Reparations Act (K.S.A. 40-3107). Every private-passenger auto liability policy must include personal injury protection (PIP), which pays the insured's own medical and economic losses regardless of fault. The right to sue the other driver for pain and suffering is limited unless statutory thresholds are met. Confirm current PIP benefit amounts with the Kansas Insurance Department.
Compulsory Liability Limits
On top of PIP, Kansas requires minimum liability of $25,000 for bodily injury to one person, $50,000 per accident, and $25,000 for property damage (25/50/25), per K.S.A. 40-3107. Uninsured/underinsured motorist coverage must also be provided as required by statute. Verify current figures with the Kansas Insurance Department before quoting them as fixed.
Proof and Penalties
Drivers must maintain and show proof of the required coverage; driving without it can bring fines and license or registration consequences. Producers should stress that a coverage lapse creates reinstatement burdens for the client.
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