Kansas


State of Kansas Insurance Requirements

Kansas law mandates that every automobile insurance policy sold in the state must have these minimum coverages:

  • Liability coverage
    • $25,000/person for bodily injury
    • $50,000/accident for bodily injury
    • $25,000/accident for property damage
  • Personal injury protection (PIP or No Fault)
    • Minimum amount required by law:
      • $4,500/person for medical expenses
      • $900/month for one year for disability/loss of income
      • $25/day for in-home services
      • $2,000 for funeral, burial or cremation expense
      • $4,500 for rehabilitation expense
    • Survivor Benefits: Disability/loss of income up to $900/month for one year
    • In-home services up to $25/day for one year
  • Uninsured/Underinsured
    • $25,000/person
    • $50,000/accident

SR-22 (the “SR” stands for “safety responsibility”) is a document that verifies that someone has automobile insurance. The SR-22 is prepared by an insurance company and then filed (by the insurance company) with the department of motor vehicles (DMV). The SR-22 is not an insurance policy. It is evidence that you have a policy.

Typically, an SR-22 is required when a driver seeks to reinstate a driver’s license after being convicted of a DUI, reckless driving, driving without insurance, or some other driving violation that’s resulted in a suspension. The SR-22 may be required whether you own a vehicle (owner SR-22) or not (non-owner SR-22). The SR-22 is usually required for a number of years – for example, five years following a DUI conviction. If the policy holder fails to pay the premiums, the SR-22 is cancelled and an SR-26 is filed with the DMV. When the DMV receives the SR-26, the policy holder’s license is suspended until a new SR-22 is filed.

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