Auto | Kansas Central Servi

PERSONAL AUTO

Kansas is a no-fault auto insurance state, which means a personal auto policy includes a few coverages most other states don't require. Here's what a general Kansas personal auto policy provides:

Liability coverage (required) — 25/50/25 minimum

Pays for injuries and damage you cause to others in an accident.

Bodily injury liability — $25,000 per person / $50,000 per accident minimum. Pays medical costs, lost wages, and legal defense if you're sued after injuring someone.
Property damage liability — $25,000 per accident minimum. Pays to repair or replace the other driver's car or other property you damage.

Liability never pays for your own injuries or your own car — only the people you harm.

Personal Injury Protection (PIP) — required, no-fault

Kansas is one of about a dozen no-fault states. PIP pays for your (and your passengers') medical bills and certain other losses regardless of who caused the crash. The minimum is $4,500 per person, with the option to buy up to roughly $25,000.

Kansas minimum PIP typically includes:

$4,500 medical expense coverage
$900/month for lost wages (up to 12 months)
$25/day for in-home services (up to 365 days)
$2,000 funeral benefit
$4,500 rehabilitation expense coverage

Because it's no-fault, you generally can't sue an at-fault driver (or be sued) for injuries unless medical expenses exceed the PIP threshold or the injury meets Kansas's "serious injury" definition.

Uninsured / Underinsured motorist (UM/UIM) coverage — required

Protects you when the at-fault driver has no insurance or not enough to cover your injuries.

Minimum: $25,000 per person / $50,000 per accident for both uninsured and underinsured motorist bodily injury
Generally matches your liability limits by default unless you reject higher limits in writing

Common optional coverages

Collision — Pays to repair your own car after an accident, regardless of fault. Subject to your deductible (commonly $250–$1,000). Required if you finance or lease the vehicle.

Comprehensive (other-than-collision) — Pays for damage from fire, theft, vandalism, hail, falling objects, glass breakage, and striking an animal(e.g. deer/raccoon/bird). Also subject to a deductible. Lenders usually require it alongside collision.

Medical payments (MedPay) — Optional supplement to PIP that pays additional medical bills for you and your passengers (often $1,000–$10,000).

Rental reimbursement — Pays a daily amount (often $35–$75/day) toward a rental car while yours is being repaired after a covered loss.

Roadside assistance / towing — Covers jump starts, lockouts, flat tires, and towing within a certain radius.

Things worth knowing in Kansas

The no-fault threshold — Kansas only lets you step outside the no-fault system (and sue for pain and suffering) if your medical expenses exceed a certain dollar threshold, currently $4,500, or if you suffer a "serious permanent injury." Below that, PIP is your primary remedy.

Family member rules — Kansas PIP generally extends to resident family members and passengers in your vehicle.