STATE LAW – KANSAS LIBRARY – GUIDE 15
Kansas Rideshare & Transportation Network Coverage
Determine the driver’s exact app stage first
Kansas TNC insurance changes depending on whether the driver is offline, logged on and available but not engaged in a prearranged ride, or engaged in a prearranged ride. Preserve the platform, driver, vehicle, accident time, trip ID, app screenshots and ride receipt.
Waiting-period liability minimums are 50 / 100 / 25
K.S.A. 8-2708 requires at least $50,000 bodily injury/death per person, $100,000 per incident and $25,000 property damage while the driver is logged on and available but not engaged in a prearranged ride, together with other required Kansas motor-vehicle protections.
A prearranged ride requires at least $1 million liability coverage
During a prearranged ride, Kansas requires at least $1,000,000 in primary automobile liability coverage. If driver/owner coverage lapses or fails to provide the required protection, TNC-maintained insurance responds from the first dollar and has the duty to defend; it cannot require the personal carrier to deny first.
Personal-policy exclusions and platform log data are expressly addressed
K.S.A. 8-2710 permits personal carriers to exclude liability, PIP, UM/UIM, MedPay and physical-damage coverage during defined TNC activity. In a coverage investigation, the TNC and potentially responsible insurers must cooperate in exchanging relevant information, including precise log-on/off times in the 12 hours before and after the accident and coverage/exclusion/limit descriptions.
Official Kansas sources
Kansas Legislature · Kansas Insurance Department · Kansas Judicial Branch
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