STATE LAW – KANSAS LIBRARY – GUIDE 21
Kansas PIP, Medical Expenses, Liens & Reimbursement
Kansas PIP is mandatory first-party coverage, not simply optional MedPay
K.S.A. 40-3107 requires specified PIP benefits and protected classes. Obtain the PIP endorsement, benefit limits and complete payment ledger. Keep PIP benefits separate from any optional MedPay, health insurance, hospital lien and tort damages.
A Kansas PIP carrier can have a statutory lien on duplicative tort recovery
K.S.A. 40-3113a gives the PIP insurer or self-insurer subrogation and a lien to the extent of duplicative PIP benefits paid when the injured person recovers from a legally liable tortfeasor. Obtain an itemized PIP ledger and apply the statute rather than accepting an unexplained reimbursement demand.
Kansas hospitals have a separate statutory lien system
K.S.A. 65-406 grants qualifying hospitals a lien on the patient’s portion of an injury recovery for reasonable and necessary hospital charges. Sections 65-407 and 65-408 govern notice/perfection and potential liability for paying a patient after receiving a perfected lien notice without satisfying the lien. Verify filing, notice, treatment and amount.
Prepare a settlement-distribution ledger before funds arrive
List gross recovery, PIP benefits/reimbursement, hospital liens, health-plan or government reimbursement, fees/costs and disputed amounts. Distinguish a perfected lien from an ordinary unpaid bill and resolve each valid repayment claim in writing before distribution.
Official Kansas sources
Kansas Legislature · Kansas Insurance Department · Kansas Judicial Branch
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