KS

Kansas Insurance Regulations

Consumer rights and insurance laws in Kansas

Overview

Kansas Department of Insurance regulates all insurance entities doing business in the state. Kansas is a no-fault PIP state, requiring personal injury protection coverage and using modified comparative fault for claims exceeding PIP thresholds.

Key Insurance Regulations in Kansas

  • Modified comparative fault — barred at 50% or more fault
  • 2-year statute of limitations for personal injury and property damage
  • No-fault PIP state — PIP coverage required
  • Mandatory auto insurance: 25/50/25 minimum liability

Filing an Insurance Complaint in Kansas

If you believe your insurance company has acted unfairly or violated Kansas insurance laws, you can file a complaint with the Kansas Department of Insurance. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Kansas Department of Insurance typically responds to complaints within 30 days.

Kansas Department of Insurance

Insurance Commissioner: Vicki Schmidt

Phone: (785) 296-3071

Website: https://insurance.kansas.gov

File a Complaint: Consumer Complaint Portal

Diminished value claims in Kansas

Generally yes, against the driver who caused the crash. The Kansas Supreme Court has said that when repair does not restore a vehicle, the measure can be its value before the damage less its value after repairs, plus the reasonable cost of repairs (Venable v. Import Volkswagen, Inc., 1974). The deadline is short: two years to sue for injuring personal property (K.S.A. 60-513(a)(2)), and under K.S.A. 60-258a you recover only if your negligence was less than the other side's.

Read the Kansas diminished value guide

Insurance Claim Guides for Kansas

Browse our detailed insurance claim guides tailored specifically to Kansas laws and regulations.

Auto Insurance Claims in KansasHome Insurance Claims in KansasHealth Insurance Appeals in KansasInsurance Denial Letter Templates in KansasDemand Letter Guide in KansasInsurance Settlement Calculator Guide in KansasDiminished Value Claims in KansasTotal Loss Dispute Guide in KansasBad Faith Insurance Claims in KansasUnderinsured Motorist Claims in KansasUninsured Motorist Claims in KansasRental Car Insurance Coverage in KansasGAP Insurance Claims in KansasInsurance Subrogation Explained in KansasPIP (Personal Injury Protection) Guide in KansasBodily Injury Claims in KansasProperty Damage Claims in KansasLiability Claim Process in KansasComprehensive Insurance Claims in KansasCollision Insurance Claims in KansasFlood Insurance Claims in KansasFire Insurance Claims in KansasTheft Insurance Claims in KansasVandalism Insurance Claims in KansasAuto Glass Insurance Claims in KansasHail Damage Insurance Claims in KansasWind Damage Insurance Claims in KansasWater Damage Insurance Claims in KansasMold Insurance Claims in KansasRoof Damage Insurance Claims in KansasFoundation Damage Claims in KansasSinkhole Insurance Claims in KansasEarthquake Insurance Guide in KansasHurricane Insurance Claims in KansasTornado Damage Insurance Claims in KansasLightning Damage Insurance Claims in KansasTree Damage Insurance Claims in KansasFence Damage Insurance Claims in KansasAppliance Breakdown Claims in KansasIdentity Theft Insurance Claims in KansasCyber Insurance Claims in KansasPet Insurance Claims in KansasTravel Insurance Claims in KansasLife Insurance Disputes in KansasDisability Insurance Claims in KansasWorkers' Compensation Claims in KansasLong-Term Care Insurance Claims in KansasDental Insurance Appeals in KansasVision Insurance Claims in KansasPrescription Drug Appeals in KansasAccident Scene Documentation in KansasInsurance Adjuster Tactics in KansasDiminished Value Calculator Guide in KansasTotal Loss Vehicle Valuation in KansasCCC Valuation Report Explained in KansasPain and Suffering Calculation in KansasMedical Bills in Auto Claims in KansasLost Wages Insurance Claims in KansasFiling a Bad Faith Insurance Lawsuit in KansasWhen to Hire a Car Accident Lawyer in KansasInsurance Claim Timeline Guide in KansasIndependent Vehicle Appraisal Guide in KansasAppraisal Clause in Auto Insurance in KansasDiminished Value by State in KansasTotal Loss Threshold by State in KansasRental Car After an Accident in KansasYour Rights During Car Repairs in KansasOEM Parts in Insurance Claims in KansasInsurance Negotiation Tactics in KansasDemand Package for Auto Claims in KansasCommon Insurance Claim Denial Reasons in KansasStatute of Limitations for Auto Claims in KansasFiling Claims in No-Fault States in KansasAt-Fault Accident Claims in KansasComparative Negligence in Claims in KansasUninsured Motorist Property Damage in KansasHit and Run Insurance Claims in KansasParking Lot Accident Claims in KansasRideshare Accident Insurance Claims in KansasCommercial Vehicle Accident Claims in KansasDeer Collision Insurance Claims in KansasFlood Car Damage Claims in KansasCatalytic Converter Theft Claims in KansasCar Break-In Insurance Claims in KansasTire Blowout Accident Claims in KansasPothole Damage Insurance Claims in KansasHail Damage Car Claims in KansasHow to Review Your Auto Insurance Policy in KansasAuto Insurance Coverage Gaps in KansasMulti-Vehicle Accident Claims in KansasDisputing Fault Determination in KansasFiling an Insurance Commissioner Complaint in KansasNegotiating Diminished Value Claims in KansasFighting a Total Loss Declaration in KansasBodily Injury Settlement Guide in KansasInsurance Fraud Prevention Guide in KansasSubstandard Auto Repair Claims in KansasTotal Loss Buy-Back Process in KansasInsurance Claims After a DUI in KansasCommercial Auto Insurance Claims in KansasStorage Unit Insurance Claims in Kansas

Other State Insurance Regulations

AL — AlabamaAK — AlaskaAZ — ArizonaAR — ArkansasCA — CaliforniaCO — ColoradoCT — ConnecticutDE — DelawareDC — District of ColumbiaFL — FloridaGA — GeorgiaHI — HawaiiID — IdahoIL — IllinoisIN — IndianaIA — IowaKY — KentuckyLA — LouisianaME — MaineMD — MarylandMA — MassachusettsMI — MichiganMN — MinnesotaMS — MississippiMO — MissouriMT — MontanaNE — NebraskaNV — NevadaNH — New HampshireNJ — New JerseyNM — New MexicoNY — New YorkNC — North CarolinaND — North DakotaOH — OhioOK — OklahomaOR — OregonPA — PennsylvaniaRI — Rhode IslandSC — South CarolinaSD — South DakotaTN — TennesseeTX — TexasUT — UtahVT — VermontVA — VirginiaWA — WashingtonWV — West VirginiaWI — WisconsinWY — Wyoming

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