Free Kansas Personal Lines Practice Exam Online

Correct answer: A. $25,000 in bodily injury liability coverage per person, per accident

Correct. Under K.S.A. 40-3107, the first figure, $25,000, is the minimum bodily injury liability coverage for the injury or death of one person in any one accident.

• B: The 25/50/25 figures describe dollar limits of liability coverage, not a grace period for obtaining insurance.
• C: PIP medical benefits are a separate minimum of $4,500 under K.S.A. 40-3103, not part of the 25/50/25 liability summary.
• D: Property damage liability is the third figure in Kansas's 25/50/25 summary, not the first.

Correct answer: B. Total bodily injury liability coverage per accident for two or more persons injured

Correct. Under K.S.A. 40-3107, the middle figure, $50,000, is the minimum total bodily injury liability coverage available per accident when two or more persons are injured or killed.

• A: Bodily injury liability per person is the first figure, $25,000, not the middle figure.
• C: Property damage liability is the third figure in the summary, $25,000, not the middle figure.
• D: Kansas's uninsured motorist limits are set equal to the insured's own bodily injury liability limits under K.S.A. 40-284, not a separately stated figure in the 25/50/25 summary.

Correct answer: C. Property damage liability coverage for harm to or destruction of property of others in any one accident

Correct. Under K.S.A. 40-3107, the third figure, $25,000, is the minimum property damage liability coverage for harm to or destruction of the property of others in any one accident.

• A: Bodily injury liability per person is the first figure in the summary, not the third.
• B: Total bodily injury liability per accident is the middle figure in the summary, not the third.
• D: The PIP funeral benefit is a separate $2,000 maximum under K.S.A. 40-3103, unrelated to the property damage figure in the 25/50/25 summary.

Correct answer: D. Motorcycle owners

Correct. K.S.A. 40-3107 specifically allows motorcycle owners to reject personal injury protection coverage in writing.

• A: A clean driving record does not create a PIP rejection right under K.S.A. 40-3107; the statutory rejection right is tied to motorcycle ownership.
• B: K.S.A. 40-3107 does not single out leased-vehicle owners for a PIP rejection right.
• C: K.S.A. 40-3107 does not single out commercial truck owners for a PIP rejection right.

Correct answer: A. Not less than $4,500

Correct. K.S.A. 40-3103(k) defines medical benefits as allowances for reasonable necessary health care expenses up to a limit of not less than $4,500.

• B: $900 per month is the Kansas PIP disability benefit cap, not the medical benefit minimum, which is a lump limit rather than a monthly figure.
• C: $2,000 is the Kansas PIP funeral benefit maximum, not the medical benefit minimum.
• D: $10,000 overstates the Kansas statutory minimum for PIP medical benefits.