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Kansas Auto Insurance & Crash Law Library
A public legal education and research library for Kansas no-fault auto insurance, PIP, UM/UIM, comparative negligence, insurer duties, damages and settlement.
Kansas State Law Library
Numbered guides by legal category
Start with Guide 01 if you are new to the library. Browse all 22 issue guides by legal category and open the Kansas guide that answers the next PIP, coverage, liability, damages or settlement question.
Getting Started in Kansas
State-specific working guide: how to use the library, build the claim map, and decide what to do first.
Coverage & Insured Status
Required insurance, every policy, insured status, UM/UIM, stacking and policy interpretation.
Insurer Duties & Claims Conduct
Disclosure, claims handling, agents, defense and failure to settle.
Vehicle & Use Questions
Borrowed and rental vehicles, work use, rideshare and public-entity vehicles.
Liability & Proof
Comparative negligence, crash investigation and evidence preservation.
Damages, PIP & Resolution
Damages, tort threshold, wrongful death, PIP, reimbursement and settlement.
Case Authority
Kansas statutes and appellate authority organized by issue.
Guide 01 · Kansas Citizen’s Guide
How to use this library before making a final claim decision
Build the claim map first. Keep PIP benefits, liability claims, UM/UIM and reimbursement questions in separate parts of your records. Use the Kansas guide titles to decide what to read next.
List the drivers, owners, injured people, possible employers and other responsible parties. Start with Guide 02 and Guide 21 for the insurance and PIP questions.
Use Guide 03, Guide 05 and Guide 06. Gather declarations, endorsements, effective dates and coverage-selection records; identify the applicable insureds before assuming how multiple limits operate.
Use Guide 18 for reports, photographs, witnesses, video, vehicle data and medical chronology. Keep a separate deadline calendar and consult Guide 16 promptly when a public entity may be involved.
Read Guide 19 for damages and threshold questions, Guide 22 for settlement, and the case-authority library. Check the actual policy, reimbursement interests and official sources before deciding what a release will end.
Kansas Current-Law Snapshot
Issues to identify early
25 / 50 / 25 minimum liability
Kansas requires 25/50 bodily-injury liability and $25,000 property-damage coverage.
Mandatory PIP
Kansas policies include no-fault PIP benefits, including medical-expense benefits and additional statutory benefit categories.
Mandatory 25 / 50 UM/UIM
Kansas requires uninsured and underinsured motorist bodily-injury coverage of at least 25/50.
Modified comparative negligence
Recovery requires claimant negligence to be less than the causal negligence of the defendant side.
Tort threshold
Non-economic tort damages generally require the statutory medical-expense threshold or a listed qualifying injury.
Kansas Department of Insurance
The Department regulates insurers, policy forms, complaints and consumer insurance matters.
Primary Research
Official Kansas research sources
VictimsGuide is the navigation layer. Current primary authority, the actual insurance contract and the verified factual record control.
Kansas Legislature
Open statutes →Kansas Department of Insurance
Open regulator →Kansas Department of Revenue
Open vehicle resources →Kansas Judicial Branch
Open courts →Kansas Highway Patrol
Open Highway Patrol →Kansas Administrative Regulations
Open rules →How this library stays current
Build the complete Kansas coverage and claim map
Identify mandatory liability, PIP and UM/UIM, the tort threshold, every policy and insured, comparative negligence, evidence, damages, insurer conduct, PIP reimbursement and release consequences before claim closure.
Start with PIP, then identify the remaining coverage and liability questions.
Find the policies, identify the insureds and responsible parties, preserve the evidence, and review damages, reimbursement and release consequences before treating a claim as complete.