DECEMBER 2, 2025
What If the Driver Who Hit Me Has No Insurance in Kansas?
By Bradley A. Pistotnik, Wichita car accident attorney, Bull Attorneys, P.A.
Quick Answer:
UM covers you when the other driver has no insurance. UIM can help when their limits are too low.
Check all policies
We look at your policy and other household policies. There may be more coverage than you think.
Proof still matters
Photos, medical records, and bills show your losses. Keep a simple folder for everything.
Kansas rule in plain words
UM/UIM is part of Kansas policies unless properly rejected in writing. K.S.A. 40-2-84
How people ask this out loud
- OK Google, no insurance hit me in Wichita—what now?
- Siri, does Kansas have underinsured motorist coverage?
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Attorney Advertising. This blog provides general information only, not legal advice. Reading it does not create an attorney–client relationship. Deadlines and laws change.