Kansas Senate Bill SB147

Kansas 2025-2026 Regular Session

• Introduced: 2/3/25
• Refer: 2/4/25

Caption

Modifying uninsured and underinsured motorist coverage liability limitations for bodily injury or death.

Impact

The implications of SB147 extend to both policyholders and insurance providers in Kansas. For policyholders, the bill guarantees a baseline level of protection against uninsured and underinsured motorists, effectively enhancing consumer rights in the automotive insurance domain. Insurance companies, however, will be compelled to adjust their policy structures to comply with the new requirements, which could lead to a reevaluation of premiums based on the broader scope of coverage mandated by the bill.

Summary

Senate Bill 147 aims to amend current Kansas statutes concerning automobile liability insurance, specifically focusing on uninsured and underinsured motorist coverage. The bill mandates that automobile insurance policies issued or renewed after January 1, 2026, must include coverage that equates to the liability limits for bodily injury or death associated with the insured vehicle. This requirement is intended to ensure that individuals involved in accidents with uninsured motorists will have adequate financial recourse to recover damages for injuries sustained.

Contention

Discussions surrounding SB147 may include debates on its financial implications for insurance premiums and the potential burden on both insurers and consumers. Critics may argue that mandating increased coverage limits could result in higher costs for policyholders, especially among those with limited incomes. In contrast, proponents highlight the necessity for greater protection against financially irresponsible drivers, asserting that the benefits of enhanced insurance coverage outweigh the potential for increased premiums.