Kansas · Uninsured driver · Updated Oct 2026

Hit by an uninsured driver in Kansas: coverage, penalties and what to do

Your coverage, the penalties and how to claim your losses.

Short answer

Driving without insurance is a class B misdemeanor: fine of $300 to $1,000, up to 6 months in jail, or both; a repeat within 3 years is a class A misdemeanor with a fine of $800 to $2,500. Required.

Uninsured motorist (UM) coverage
Required
Minimum liability
25/50/25
Insurance system
No-fault

Uninsured motorist coverage in Kansas

Uninsured / underinsured motorist (UM/UIM)
Required. Every policy must include uninsured and underinsured motorist coverage equal to your bodily injury liability limits. You can reject in writing only the part above the 25/50 minimum (K.S.A. 40-284).
Liability minimum
25/50/25
Official text
Read the official text

Compare every state in the minimum insurance table.

If the other driver has no insurance in Kansas

  • If an uninsured driver injures you, your own required uninsured motorist coverage and PIP pay.

State forms and programs in Kansas

  • If you don't own a car and have no PIP, the Kansas Automobile Assigned Claims Plan (managed by AIPSO, (888) 706-6100) can pay basic PIP benefits.

Penalties for driving uninsured in Kansas

  • Driving without insurance is a class B misdemeanor: fine of $300 to $1,000, up to 6 months in jail, or both; a repeat within 3 years is a class A misdemeanor with a fine of $800 to $2,500.
  • License and registration can also be suspended (K.S.A. 40-3104).

No-fault benefits in Kansas

Kansas is a no-fault state for injuries: your own personal injury protection (PIP) pays your first medical bills and lost income, whoever caused the crash. You can sue the other driver for injuries only in some cases, described below. Every policy must include personal injury protection (PIP). Minimums: $4,500 per person for medical bills, $900 a month for lost wages for up to 1 year, $25 a day for household help for up to 365 days, $4,500 for rehabilitation, $2,000 for funeral costs, and survivor benefits.

How fast an insurer must handle a claim in Kansas

  • PIP benefits are overdue if not paid within 30 days after the insurer gets written notice of the loss and its amount; lost-wage benefits must be paid at least every 2 weeks; overdue PIP payments earn 18% simple interest a year (K.S.A. 40-3110(b)).
  • The Insurance Department's guide says a company has 30 days from notice to complete its liability investigation.
  • K.S.A. 40-2404(9) lists unfair claim settlement practices, such as not acknowledging claims promptly or not affirming or denying coverage within a reasonable time.

Claiming from the uninsured driver in Kansas

Small claims limit for car damage in Kansas: $10,000, not counting interest and costs; up to 20 small claims per court per year. Kansas small claims guide on Small Claims Map

Step by step if an uninsured driver hits you in Kansas

  1. Report the crash to the police. If no officer is at the scene, you (or an adult passenger) must report the crash right away, by the quickest means, to the nearest police authority if anyone is hurt or killed, damage looks like $1,000 or more, or the other people involved can't receive your information. Reporting a crash in Kansas and getting the police report
  2. Write down the other car's plate and get witness names.
  3. Claim under your uninsured motorist coverage; in Kansas it is required.
  4. File your PIP claim on time; Kansas's no-fault benefits don't depend on who caused the crash.
  5. If your coverage doesn't pay everything, sue the driver before the deadline: 2 years for both property damage and injury. Deadlines to sue in Kansas, with the calculator

Free help in Kansas

Questions about uninsured drivers in Kansas

Is uninsured motorist coverage required in Kansas?

Required. Every policy must include uninsured and underinsured motorist coverage equal to your bodily injury liability limits. You can reject in writing only the part above the 25/50 minimum (K.S.A. 40-284).

What happens if you drive without insurance in Kansas?

Driving without insurance is a class B misdemeanor: fine of $300 to $1,000, up to 6 months in jail, or both; a repeat within 3 years is a class A misdemeanor with a fine of $800 to $2,500. License and registration can also be suspended (K.S.A. 40-3104).

What can I do if an uninsured driver hits me in Kansas?

If an uninsured driver injures you, your own required uninsured motorist coverage and PIP pay. If you don't own a car and have no PIP, the Kansas Automobile Assigned Claims Plan (managed by AIPSO, (888) 706-6100) can pay basic PIP benefits.

What is the minimum car insurance in Kansas?

25/50/25

How long do I have to sue an uninsured driver in Kansas?

2 years for property damage and 2 years for injury.

How fast must an insurer handle a car insurance claim in Kansas?

PIP benefits are overdue if not paid within 30 days after the insurer gets written notice of the loss and its amount; lost-wage benefits must be paid at least every 2 weeks; overdue PIP payments earn 18% simple interest a year (K.S.A. 40-3110(b)). The Insurance Department's guide says a company has 30 days from notice to complete its liability investigation.

More for Kansas drivers

Nearby states

Sources

Last checked: Oct 24, 2026.