No need to raise Kansas auto insurance limits
Kansas’ required current minimum coverages are typical of those found in other states nationwide and are identical to the minimums in neighboring Nebraska, Missouri, Oklahoma and Colorado. The overwhelming majority of accident claims are covered by those limits and more than three-quarters of Kansas consumers voluntarily buy more coverage. Raising the minimums would premium rates to rise, which in turn likely would lead more of the poorest citizens to become uninsured drivers. That’s one reason insurance companies, who otherwise would benefit from selling more coverage, have opposed the legislation.
There is no crisis of large claims that would justify such a large increase in the mandatory coverage. The House of Delegates should reject this proposal.