Kansas  No-Fault Car Insurance

 
Kansas law requires that every personal automobile insurance policy sold in the state have these minimum coverages:
Liability coverage
• $25,000 per person — bodily injury
• $50,000 per accident — bodily injury
• $10,000 per accident — property damage

Personal injury protection (PIP)/Kansas no-fault
• $4,500 per person — medical expenses
• $900 per month for one year — disability/loss of income
• $25 per day — in-home services
• $2,000 — funeral, burial or cremation expenses
• $4,500 — rehabilitation expenses to train for re-employment
• $900 per month for one year — disability/loss of income survivor benefits
• $25 per day for up to one year — survivor benefits

Uninsured/underinsured bodily injury (not property damage)
• $25,000 per person — bodily injury
• $50,000 per accident — bodily injury
You may buy a policy that exceeds these minimum amounts. 

Though comprehensive and collision coverage aren’t required by state law, a lender/bank may require them until the vehicle loan is paid off. Policies generally limit the maximum dollar amount and the number of days the coverage is in force per occurrence.

You can also purchase excess medical payments coverage. This coverage provides for necessary excess medical amounts over and above those paid under PIP/Kansas no-fault benefits. Or consider an umbrella liability policy, which provides an additional $1 million to $5 million limit of liability coverage beyond the limits of your primary personal automobile liability coverage. This excess personal liability coverage pays only after you exhaust the limits of the primary policy. The insurance company providing umbrella liability coverage generally will require you to maintain certain limits on your underlying basic coverages. The same company generally issues both policies. Some companies will offer umbrella liability policies only if you have primary coverage for your vehicles and home through that company.

In KS, you are financially responsible for any motor vehicle accident you cause. To comply with Kansas auto insurance laws, owners of highway titled vehicles must purchase at least the minimum mandatory insurance coverages and limits. In accordance with Kansas laws, you are required to show provide proof of insurance, which may be an insurance binder, policy and/or identification card. You may be required to provide proof of personal automobile insurance, by the following:

• A law enforcement officer.
• At the scene of a motor vehicle accident.
• At the county treasurer’s office when you register or renew your motor vehicle.

If you’re pulled over and can’t show proof of insurance, you can be fined or have your license suspended.

Termination of your personal auto policy

An insurance company may terminate your coverage but only under certain circumstances. Coverage may be canceled or non-renewed. Cancellation means the company terminates your policy before it expires.

Nonrenewal means the company refuses to renew your policy when it expires. Different laws apply to each.

Cancellation
During the first 60 days of coverage under a new policy, the insurance company can cancel your policy for any lawful reason. After 60 days, Kansas statutes specifically state that your personal automobile insurance policy may not be canceled except for the following reasons:
• Nonpayment of insurance premium and/or any installment when it is due.
• Insurance obtained through fraudulent misrepresentation.
• Violation by the insured of any of the terms and conditions of the policy.
• Insured, a family member or a person customarily operating the insured’s motor vehicle with permission

Nonrenewal
An insurance company must offer renewal of your personal automobile liability insurance coverages unless one of the following applies:
• The insurance commissioner requires the company to reduce its number of policies in order to preserve its financial integrity.
• The company no longer does business in Kansas.
• The company shows competent medical evidence that the insured has a physical or mental disability that impairs driving in a safe and reasonable manner.
• The company determines that a substantial change in risk has occurred that was not known at the time the policy was issued or last renewed.
• The policy has been continuously in effect for a period of five years after the first anniversary date.
• Any of the reasons that allow for cancellation.

Kansas Automobile Insurance Plan
If at least three companies have rejected you for personal automobile insurance, you may purchase coverage through the Kansas Automobile Insurance Plan (KAIP), which allows you to be assigned to one of the many insurance companies licensed to sell motor vehicle insurance in Kansas. The coverage provides basic liability insurance required by Kansas law and optional physical damage coverages, such as comprehensive and collision. For more information, contact a licensed insurance agent who sells personal auto insurance.