Uninsured Motorist Laws for Kansas


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Uninsured motorist laws vary from state to state. If you are a driver in the state of Kansas, it is wise to understand Kansas specific uninsured motorist laws. Getting into an accident with an uninsured or under-insured motorist can be costly if you do not have the proper insurance coverage.

What Is Included in Your Insurance Coverage?

Kansas automobile insurance coverage has several components under one insurance plan. Kansas law mandates minimum coverages for each of the following insurance areas:

  • Bodily Injury covers another person’s medical expenses and other covered costs, if the covered party is not at fault in a collision. It may also pay for settlement of lawsuits and legal expenses if necessary.
  • Property Damage is used when a covered driver damages property in an accident. It pays for repair, replacement or cash value of the damaged property. It may also pay for legal expenses if necessary.
  • Personal Injury covers medical expenses and other covered costs for you and your passengers who are injured in an accident, no matter who is at fault.
  • Uninsured and Under-insured Motorist Protection pays you or your passengers for medical and other covered expenses. It may also pay legal expenses resulting from a collision caused by an uninsured or under-insured. Hit-and-run motorist accidents may also be covered under this component. You may also be covered under this provision if you are walking or riding your bike and are hit by an uninsured motorist.

Your plan will also likely include the following two types of coverage:

  • Collision covers the cost of repair if you are in an accident.
  • Comprehensive pays for damage to your auto resulting from a natural disaster in most cases.

Getting Legal Help

If you were involved in an automobile accident in the state of Kansas and you are concerned about uninsured motorist laws, you should discuss your case with an attorney as soon as possible. You will need to preserve your right to file a lawsuit, so consulting an attorney early will help you make sure you have the opportunity to be compensated.

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