Is Kansas a no-fault state?
Yes. Kansas is a no-fault state. Your own PIP coverage pays medical bills and lost wages no matter who caused the crash, and you can sue for pain and suffering only past a threshold.
Last checked November 9, 2026 · Official sources (6)
How does Kansas car insurance work?
“Personal Injury Protection coverage includes medical expenses and lost wages for you and passengers after an accident, regardless of who is at fault.”
Kansas Department of Insurance
What is Kansas's minimum car insurance?
| Coverage | What Kansas requires |
|---|---|
| Injury to one person | $25,000 |
| Injuries in one crash | $50,000 |
| Damage to property | $25,000 |
| Personal injury protection (PIP) | PIP minimums include $4,500 per person for medical bills and $900 a month for one year for lost income. |
| Uninsured motorist | Uninsured/underinsured motorist bodily injury coverage is required at $25,000 per person and $50,000 per crash. |
When can you sue in Kansas?
You can recover for pain and suffering only if your medical treatment is worth $2,000 or more, or the injury is serious (for example permanent disfigurement or certain fractures).
Other no-fault states
Questions
How much insurance does Kansas require?
At least $25,000 per person and $50,000 per crash for injuries, plus $25,000 for property damage (25/50/25).
What if you were partly at fault in Kansas?
You can recover only if your fault is less than the other side's; your award is cut by your share, so at 50% or more you get nothing.
When can you sue after a crash in Kansas?
You can sue for pain and suffering if your medical treatment is worth $2,000 or more, or for injuries such as permanent disfigurement, certain fractures, permanent injury, or death.
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See if I’m owed moneySources (6)
- Kansas Department of Insurance, checked 2026-11-09. “Personal Injury Protection coverage includes medical expenses and lost wages for you and passengers after an accident, regardless of who is at fault.”
- Kansas Department of Insurance, checked 2026-11-09. “Kansas law requires that every personal automobile insurance policy sold in the state have these minimum coverages: COVERAGE $25,000 per person - bodily injury Liability Coverage $50,000 per accident - bodily injury $25,000 per accident - property damage”
- Kansas Department of Insurance, checked 2026-11-09. “$4,500 per person - medical expenses $900 per month for one year - disability/loss of income”
- Kansas Department of Insurance, checked 2026-11-09. “$25 per day for up to one year - substitution benefts $25,000 per person - bodily injury Uninsured/Underinsured Bodily Injury $50,000 per accident - bodily injury”
- Kansas Legislature (Kansas Statutes Annotated), checked 2026-11-09. “if that party's negligence was less than the causal negligence of the party or parties against whom a claim is made, but the award of damages to that party must be reduced in proportion to the amount of negligence attributed to that party”
- Kansas Legislature (Kansas Statutes Annotated), checked 2026-11-09. “only in the event the injury requires medical treatment of a kind described in this act as medical benefits, having a reasonable value of $2,000 or more, or the injury consists in whole or in part of permanent disfigurement, a fracture to a weightbearing bone”