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As published by the Kansas Insurance Department (2010) all vehicles registered in Kansas must maintain car insurance in-force at all times meeting minimum levels of coverage for liability insurance, personal injury protection (PIP) and uninsured/underinsured (UIM) motorist coverage. The minimum requirements are as follows.

Liability Insurance

  • $25,000 liability insurance per person per accident
  • $50,000 liability insurance for all persons per accident
  • $10,000 property damage insurance

Personal Injury Protection (PIP)

  • $4,500 in medical expenses per person
  • $900 a month insurance coverage for any income loss or disability with a 1 year minimum benefits and this coverage must also include survivor benefits)
  • $25 a day for any in-home services required
  • $2,000 in coverage for any death related expenses such as cremation, burial or funeral costs
  • $4,500 in coverage for rehabilitation expenses

Uninsured / Underinsured Motorist Coverage

  • $25,000 per person per accident

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