Is Kansas a No-Fault Accident State?
Kansas is one of 12 no-fault states. This means that if you are involved in a car accident in the state, your insurance will cover the initial wage loss and medical bills, usually up to $4,500 unless you bought more coverage. The PIP claim does not affect your premium, if you are not at fault. PIP must pay before your medical insurance will pay. If you are confused, you are in good company. Feel free to give us a call with your questions.
What Does No-Fault and PIP Mean?
You will be required to use your own no-fault insurance coverage — also known as personal injury protection (PIP) — to pay for medical bills for:
- The policyholder.
- The policyholder’s household members who are injured while an occupant of the vehicle.
- Any non-family/non-household passengers were injured while riding in the vehicle.
What Does No-Fault Insurance Cover?
If you are making a no-fault/PIP claim in Kansas, the state requires the following minimum limits of coverage, so your insurance must cover the following:
- $4,500 per person for medical expenses
- $900/month (for up to one year) for disability/loss of income
- $25/day for in-home services
- $2,000 for funeral, burial, or cremation expenses (if there is a death)
- $4,500 for rehabilitation expenses.
Kansas PIP coverage pays survivor benefits for family members, if there is a fatality, including:
- Disability/loss of income up to $900/month (for up to one year)
- In-home services up to $25/day for up to one year.
The good thing about no-fault states is that because there is no need to determine who is at fault, to get these PIP payments and you receive compensation more quickly.
Pain and Suffering- Can I make a claim?
In Kansas, you are prohibited from seeking compensation for pain and suffering unless you “breach the threshold.” This means that your medical bills must total $2,000 or more, or you have one of the following:
- Fracture to a weight-bearing bone
- Amputation
- Permanent loss of bodily function or injury
- Death
Contact Our Kansas Personal Injury Attorneys Today
The Kansas personal injury attorneys at Neustrom & Associates have more than 40 years of experience handling car accident cases. We are here to fight your legal and insurance battles so you can focus on your recovery. To schedule a free consultation, call (785) 825-1505 or fill out the online form.