Auto Accident, PIP & Medical Billing State Guides
Kansas Auto Accident, PIP & Medical Billing Laws
Kansas operates a mandatory No-Fault automobile insurance framework under the Kansas Automobile Injury Reparations Act (KAIRA), K.S.A. § 40-3101 et seq. Every auto liability policy must include statutory Personal Injury Protection (PIP) benefits with a minimum of $4,500 for medical expenses and $4,500 for rehabilitation expenses. Claims unpaid after 30 days are subject to an 18% annual statutory interest penalty.
Plain-language overview
No-Fault (Mandatory PIP under K.S.A. § 40-3107)
Under KAIRA, all motor vehicles operated in Kansas must maintain primary no-fault PIP coverage providing medical, rehabilitation, and wage loss benefits regardless of fault. An injured person may only pursue a third-party tort claim against an at-fault driver for non-economic loss (pain and suffering) if medical expenses exceed the $2,000 statutory tort threshold or the injury results in a permanent condition, fracture of a weight-bearing bone, or permanent disfigurement pursuant to K.S.A. § 40-3117.
PIP and MedPay coverage
Mandatory Medical Benefit
$4,500 statutory minimum per person for necessary medical expenses (K.S.A. § 40-3107(f))
Mandatory Rehabilitation Benefit
$4,500 statutory minimum per person for psychiatric, occupational, and vocational rehabilitation services
Disability And Services
Up to $900 per month for work loss (up to one year) and $25 per day for essential in-home replacement services
Assignment Of Benefits
Healthcare providers may receive direct reimbursement through signed patient assignments of first-party PIP benefits
Medical fee schedule and reimbursement rules
Name
Reasonable and Customary Fee Standard (K.S.A. § 40-3110)
Rules
Kansas does not mandate a statutory fee schedule capping auto accident medical fees. Charges for medical and rehabilitation services must be reasonable and customary, reflecting prevailing charges in the local healthcare community for comparable care.
Cpt Basis
CPT/HCPCS itemized coding on standard CMS-1500 or UB-04 billing claims
Appeals and dispute resolution
Thirty Day Prompt Pay Rule
Under K.S.A. § 40-3110, PIP benefits become overdue if not paid within 30 days after the insurer receives reasonable proof of the fact and amount of loss. Overdue payments accrue simple interest at the rate of 18% per year.
Attorney Fees For Unjust Denial
Pursuant to K.S.A. § 40-3111, if an insurer refuses or delays payment of PIP benefits without just cause or excuse, the court will award reasonable attorney fees to the claimant or healthcare provider.
Dispute Forum
Kansas District Court. Breach of contract lawsuits for unpaid PIP benefits are heard in county district courts.
Claim and dispute deadlines
Deadlines can depend on the trigger event and may be affected by agency relief notices. Confirm the live rule before filing.
| Event | Timeframe |
|---|---|
| Notice of Accident / Claim | Notice to insurer as soon as practicable |
| Medical Bill Submission | Submission within standard billing timeframes with itemized proof of loss |
| Carrier 30-Day Pay Window | 30 calendar days from receipt of proof of loss (K.S.A. § 40-3110) |
| Statutory Tort Threshold | $2,000 in reasonable medical expenses to file tort action for non-economic loss |
| Statute of Limitations | 5 years for written contract actions (K.S.A. § 60-511); 2 years for tort injury claims (K.S.A. § 60-513) |
Documentation checklist
- Completed Kansas PIP Application for Benefits
- Executed Assignment of Benefits (AOB) and medical records authorization
- Itemized CMS-1500 or UB-04 billing form with CPT/HCPCS and ICD-10 diagnostic codes
- Physician chart notes, emergency room intake documentation, and diagnostic scan reports
- Explanation of Benefits (EOB) or written denial notice from the automobile insurer
Responsible agencies
- Kansas Insurance DepartmentStatewide Insurance Regulation, Policy Filings & Consumer Assistance
Primary legal and regulatory sources
- Kansas Statutes Chapter 40, Article 31 (Kansas Automobile Injury Reparations Act)Kansas Office of Revisor of Statutes · 2024
- Kansas Statutes Section 40-3110 (Payment of Benefits; Overdue Payments)Kansas Office of Revisor of Statutes · 2024
This operational reference is educational, is not legal advice, and does not create an attorney-client relationship.
Common questions
- What rules govern auto accident, pip & medical billing state guides in Kansas?
- Kansas operates a mandatory No-Fault automobile insurance framework under the Kansas Automobile Injury Reparations Act (KAIRA), K.S.A. § 40-3101 et seq. Every auto liability policy must include statutory Personal Injury Protection (PIP) benefits with a minimum of $4,500 for medical expenses and $4,500 for rehabilitation expenses. Claims unpaid after 30 days are subject to an 18% annual statutory interest penalty.
- What dispute deadlines should providers track in Kansas?
- Notice of Accident / Claim: Notice to insurer as soon as practicable; Medical Bill Submission: Submission within standard billing timeframes with itemized proof of loss; Carrier 30-Day Pay Window: 30 calendar days from receipt of proof of loss (K.S.A. § 40-3110). Verify the trigger date, current agency notices, and any extension before acting.
- Which agencies administer these rules in Kansas?
- The guide identifies Kansas Insurance Department. The correct agency depends on the plan and claim jurisdiction.