Bill > SB147

This bill modifies Kansas law regarding automobile insurance policies, specifically focusing on uninsured and underinsured motorist coverage. Starting January 1, 2026, all automobile liability insurance policies covering vehicles registered in Kansas must include provisions for uninsured and underinsured motorist coverage with limits equal to the policy's bodily injury liability coverage. The bill clarifies that insurers are not required to offer such coverage in excess or umbrella policies. Policyholders retain the right to reject coverage in excess of certain statutory limits, and such rejection applies to all parties insured under the policy. The bill also establishes detailed rules for how insurers can handle uninsured motorist claims, including potential exclusions for specific scenarios like workplace accidents or self-insured vehicles. Additionally, the bill outlines a process for settling underinsured motorist claims, requiring insureds to provide written notice and documentation to their insurance carrier when reaching a tentative settlement with an at-fault party, and gives the insurer the right to substitute its payment and pursue subrogation. The modifications aim to provide clearer guidelines and protections for both insurers and insured individuals in motor vehicle liability situations.

Business and Industry

Financial Institutions and Insurance (S)

https://kslegislature.gov/li/b2025_26/measures/sb147/