KANSAS GUIDE 06
Kansas Stacking & Multiple Insurance Policies
Kansas expressly restricts stacking of UM/UIM coverage. Under K.S.A. 40-284(d), total available limits cannot exceed the highest limit of any single applicable policy, regardless of the number of policies, insured persons, claims, vehicles or premiums involved.
- Identify every potentially applicable policy before applying the anti-stacking rule.
- Determine the highest single applicable UM/UIM limit.
- Review policy priority provisions and insured status separately from the limit cap.
- Do not assume multiple vehicles or premiums create additive limits.
Primary Kansas Source
K.S.A. 40-284(d) — Anti-Stacking
Current-law review: September 16, 2026. Multiple-policy analysis remains policy- and fact-specific even when stacking is restricted.
VictimsGuide 