Kansas Laws

1. Kansas is a no-fault state. In a no-fault system, each driver’s own insurance will pay for his or her own injuries up to the personal injury protection (PIP) limit, regardless of who was at fault for the accident. To be able to bring a lawsuit in Kansas, you must exceed your PIP amount and have suffered a “serious injury.” 

Kansas law defines “serious injury” as including any of the following:

• permanent disfigurement

• fracture of weight-bearing bone

• compound, comminuted, compressed, or displaced fracture of any bone

• permanent injury, or

• permanent loss of a body function.

• Because Kansas is a no-fault state, the insurance requirements are different than most other states.

The minimum requirements you must carry are:

• $25,000 per person personal injury protection (PIP) for third parties (yourself, passengers, other motorists, pedestrians, etc.; more on what the PIP policy must cover below)

• $50,000 personal injury protection (PIP) for third parties (other motorists and pedestrians; more on what the PIP policy must cover below)

• $10,000 per occurrence property damage protection

The PIP policy must cover:

• $4,500 per person for medical expenses

• $900 per month for one year for disability/loss of income

• $25 per day for in-home services

• $2,000 for funeral, burial or cremation expense

• $4,500 for rehabilitation expense

Uninsured/Underinsured Motorist Coverage must be offered by Kansas insurance companies and must be a minimum of $25,000 per person and $50,000 per accident.

Related Topics:

• Kansas Laws

• Process of Filing an Kansas Car Accident Claim

• Damages you can Recover

• Disputing a Claim

• Kansas Car Accident Facts