Uninsured Motorist Coverage — Kansas
Uninsured and underinsured motorist coverage pays your medical bills and vehicle damage when you're hit by a driver who has no insurance or too little to cover your losses.
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What Is Uninsured and Underinsured Motorist Coverage Insurance?
Uninsured motorist coverage (UM) and underinsured motorist coverage (UIM) protect you when the at-fault driver can't pay for the damage they caused. UM kicks in when the other driver has zero insurance. UIM activates when their policy limit is too low to cover your medical bills or vehicle repair costs. Both coverages step in only after you've exhausted the at-fault driver's liability policy — they don't replace your own collision or medical payments coverage.
Who Needs Uninsured and Underinsured Motorist Coverage Insurance?
It's especially valuable if you carry passengers regularly — your UM bodily injury limit protects everyone in your vehicle, not just you.
Compare your UM/UIM cost to your health insurance deductible and out-of-pocket max.
How Much Does Uninsured and Underinsured Motorist Coverage Insurance Cost?
- Your UM/UIM policy limit — higher limits cost more, but the per-dollar price drops as limits increase.
- Whether you add uninsured motorist property damage (UMPD) alongside bodily injury coverage.
- Your state's uninsured driver rate — Kansas sits near the national average, so premiums reflect moderate risk.
- Your liability limits — most carriers require your UM/UIM limits to match or stay below your liability coverage.
- Claim history on UM/UIM — filing a UM claim can raise future premiums even though you weren't at fault.
