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Uninsured Motorist Coverage — Kansas

Uninsured Motorist Coverage pays your medical bills and vehicle damage when you're hit by a driver with no insurance or insufficient coverage — a scenario affecting 1 in 7 Kansas drivers.

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What Is Uninsured Motorist Coverage Insurance?

Uninsured Motorist Coverage (UM) covers your injuries and property damage when an at-fault driver has no insurance or carries less than your policy limits. If you're reinstating after suspension, you cannot add UM until your liability policy is active, and most reinstatement scenarios require proof of liability coverage first, not UM.

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Who Needs Uninsured Motorist Coverage Insurance?

Suspended drivers reinstating with SR-22 should carry UM because Kansas courts can extend suspension if you're hit by an uninsured driver and file for financial hardship relief without UM coverage — the state views declining UM as assumption of risk. Drivers without collision coverage need UM to avoid total loss if hit by an uninsured driver, since Kansas has no state reimbursement fund.

How Much Does Uninsured Motorist Coverage Insurance Cost?

Your liability limits — UM must match your liability limits unless you reject higher UM in writing, so raising liability to meet SR-22 reinstatement floors automatically raises UM cost.

Related Coverage Types

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High-Risk Auto Insurance→

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Liability Insurance→

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SR-22 Insurance→

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Reinstatement Coverage→

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