Kansas Property & Casualty Insurance License Exam — All Questions
3 questions
What are Kansas's minimum required auto liability limits (bodily injury per person / per accident / property damage)?
- a.$25,000 / $50,000 / $10,000
- b.$20,000 / $40,000 / $15,000
- c.$25,000 / $50,000 / $15,000
- d.$25,000 / $50,000 / $25,000✓
Kansas sets 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 (the Kansas Automobile Injury Reparations Act / no-fault law). In addition, Kansas is a no-fault state, so the policy must also carry personal injury protection (PIP) benefits. Higher limits are available; confirm current figures with the Kansas Insurance Department.
How does Kansas handle auto injury claims?
- a.It is a no-fault state: each driver's own PIP coverage pays their medical and related expenses regardless of fault, within limits.✓
- b.It is a pure tort state with no personal injury protection requirement.
- c.It uses an add-on system where PIP is optional and never required.
- d.It has abolished auto liability insurance entirely.
Kansas is a no-fault (personal injury protection) state under the Kansas Automobile Injury Reparations Act (K.S.A. 40-3107). Every auto liability policy must include PIP benefits that pay the insured's own economic losses regardless of who caused the crash; the right to sue for pain and suffering is limited by statutory thresholds. Verify current PIP benefit amounts with the Kansas Insurance Department.
Uninsured/underinsured motorist coverage on a Kansas auto policy primarily provides what?
- a.A federal reinsurance pool that reimburses all crash losses.
- b.A guarantee that premiums can never increase after a claim.
- c.Uninsured motorist coverage that protects the insured when an at-fault driver has no or too little insurance.✓
- d.Coverage that pays the at-fault driver's own liability judgments.
Uninsured/underinsured motorist (UM/UIM) coverage protects the policyholder and passengers when the responsible driver is uninsured or underinsured. Kansas regulates how UM/UIM is offered and rejected; producers should confirm the current offer-and-waiver rules with the Kansas Insurance Department.