Understanding the Kansas car insurance coverage rules is important for anyone who lives and drives in the state, and that's especially true if you're involved in a car accident:
Kansas is one of a dozen or so states that have legislated some form of a "no-fault" car insurance system. That means, after a car accident, your own basic no-fault ("personal injury protection" or "PIP") coverage pays for your medical bills and certain other out-of-pocket losses regardless of who caused the accident.
The minimum benefits available to someone making a no-fault/PIP claim in Kansas are:
Kansas PIP coverage also includes "Survivor Benefits" for family members whose loved one has passed away as a result of the accident. These include:
In Kansas, PIP benefits are available to anyone covered under the policy (directly or indirectly), including:
A key thing to understand about a no-fault/PIP claim is that you can't get compensation for your "pain and suffering" and other non-monetary damages stemming from the accident. You're limited to compensation for your medical bills and other economic losses, unless your injuries meet certain thresholds set by state law (we'll explain these in the next section).
Finally, while Kansas's no-fault car insurance system applies to injuries caused by car accidents, it has no bearing on vehicle damage claims. You can hold the at-fault driver liable for damage to (or total loss of) a vehicle after a car accident in Kansas, with no limitations.
As touched on above, in order to step outside of the no-fault car insurance system and pursue a case directly against the person who caused your accident, your claim must meet one of the two thresholds set by Kansas law. According to the Kansas Department of Insurance, that means:
Those rules define "serious" injuries in this context as any of the following:
If you meet either of these thresholds, you have the right to hold the at-fault driver responsible for the accident by filing a third-party car insurance claim or personal injury lawsuit, and that means you can pursue compensation for all categories of losses, including pain and suffering and all other available non-economic damages (which, again, aren't available in a no-fault/PIP claim).
Now that you understand how no-fault car insurance works in Kansas, let's look at the state's requirements for different kinds of car insurance coverage.
In order to register and drive a motor vehicle in Kansas, you must carry certain minimum amounts of insurance on it. According to the Kansas Insurance Department, those minimums are as follows.
Liability coverage
No/Fault Personal injury Protection
Uninsured/Underinsured Motorist Coverage
Keep in mind that, if you are found responsible for causing a car accident, and the injured drivers' and/or passengers' losses exceed the limits of your car insurance policy, you may find yourself personally responsible for making up the difference out of your own assets.
Sometimes it makes sense to handle a car accident claim yourself, especially if you're comfortable with the process and you'll be dealing with your own insurance company through no-fault/PIP claim.
But if your injuries are serious and you think your claim might be one that's not limited to no-fault, you might want to discuss your situation with an experienced legal professional. Learn more about how an attorney can help with your car accident case and get tips on finding the right injury lawyer for you and your case.