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

SB 147 modifies Kansas auto insurance rules for uninsured and underinsured motorist coverage, effective January 1, 2026. It requires insurance policies to include coverage limits matching the policyholder’s primary bodily injury liability limits, ensuring drivers can recover damages when hit by an uninsured or underinsured driver. The bill clarifies that underinsured motorist coverage must pay the difference between the at-fault driver’s coverage and the policyholder’s limits, without reducing payments due to other liability limits. Policyholders can reject this coverage in writing, but rejections apply to all insured parties under the same policy. This directly affects Kansas drivers purchasing or renewing auto insurance policies for vehicles registered or garaged in Kansas.