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Kansas No-Fault Car Insurance Rules

Kansas No-Fault Car Insurance Rules

Under Kansas's "no-fault" auto insurance laws, when you're injured in a car accident, regardless of who was at fault, you must first turn to your own car insurance coverage (specifically, your "personal injury protection" or "PIP" coverage) for medical bills and certain other out-of-pocket losses.

In order to step outside the no-fault scheme and file a liability claim or lawsuit against the at-fault driver, you must exceed your PIP limits and have suffered a "serious injury," which Kansas defines as including any of the following:

  • permanent disfigurement

  • fracture of weight-bearing bone

  • compound, comminuted, compressed, or displaced fracture of any bone

  • permanent injury, or

  • permanent loss of a body function.

For more on these types of injury cases, see our article on No-Fault Car Accident Claims

Aly Gadalla