STATE LAW – KANSAS LIBRARY – GUIDE 02
Required Auto Insurance & Minimum Limits in Kansas
Kansas requires at least 25 / 50 / 25 liability limits
K.S.A. 40-3107 requires Kansas motor-vehicle liability policies to carry at least $25,000 for bodily injury or death to one person, $50,000 for bodily injury or death to two or more persons in one accident, and $25,000 for property damage. Those limits are a statutory floor. The declarations page can show higher limits, and additional owner, household, employer, commercial, umbrella or excess policies may apply.
Kansas liability policies also include mandatory PIP protection
Section 40-3107 requires PIP benefits for the named insured, resident relatives, persons operating the insured vehicle, passengers, and specified pedestrians struck by the insured vehicle, subject to the Kansas Automobile Injury Reparations Act. Liability limits and PIP benefits are different coverage parts. Obtain the complete accident-date policy and PIP endorsement rather than treating the liability card as the complete first-party coverage picture.
UM/UIM protection is separately mandated by K.S.A. 40-284
Kansas policies generally must carry UM limits equal to the policy’s bodily-injury liability limits and include UIM protection. The named insured can reject in writing the UM/UIM amount above the statutory minimum bodily-injury limits. Request the signed rejection/election history before accepting a statement that UM/UIM is lower than the liability limits.
Build a coverage inventory before valuing a limits settlement
Record every driver, owner, household relationship and business connection that may lead to insurance. Preserve declarations, forms, endorsements, PIP records and UM/UIM elections. Keep the statutory minimum, actual purchased limit, amount offered, competing claims and every additional coverage layer separate. A minimum-limits statement is a starting point for coverage investigation, not its conclusion.
Official Kansas sources
Kansas Legislature · Kansas Insurance Department · Kansas Judicial Branch
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