Kansas is a no-fault state, which means that you use your own personal injury protection (PIP) coverage if you've been injured in an auto accident, no matter who caused the accident. The PIP coverage required in Kansas is divided into many parts:
- $4,500 per person for necessary medical expenses
- $900 per month (up to for one year) for loss of income/disability
- $25 per day for in-home services (up to one year)
- $2,000 for funeral/burial expenses
- $4,500 for rehabilitation costs
- Survivor benefits of up to $900 per month for one year for loss of income
On top of PIP, Kansas drivers are required to carry liability coverage for damage they inflict on other people and property. The property damage liability minimum is pretty low at $10,000.
If you have savings or a home to protect, we recommend that you bump your limits to 100/300/50.
Uninsured and underinsured motorist bodily injury protection are offered together here and are a mandatory part of your policy with minimum limits of 25/50.
Beyond no-fault: You (or your family) can seek damages from the at-fault party once your medical bills are over $2,000, if you suffer severe or permanent injuries or if you died as a result of the auto accident.
Insurance needed for registration: Proof of auto insurance that includes the effective and expiration date of the coverage is required when vehicle registration is issued or renewed.
No points system: Kansas Driver Control doesn't assign points for traffic violations; however, your license can be suspended if you are convicted of three moving violations in a 12-month period.
Defensive driving discount: State law requires that the principal driver of a vehicle that has voluntarily and successfully completed an approved motor vehicle accident prevention course receive a discount. The Kansas Insurance Commissioner has a list of state-approved defensive-driving courses.