Kansas Car Insurance: What is personal injury protection and what happens if I am in a collision with another motorist who has no auto insurance? With an estimated 10% motorists driving uninsured vehicles on Kansas roads, there is a 1 in 10 chance that if you are in a mishap, the driver of the other
What Is UM/UIM Coverage? Uninsured/Underinsured (UM/UIM) motorist coverage is a feature of your own auto insurance policy that offers additional protection when there is an accident, and the at-fault driver is either completely uninsured or has insurance that meets the minimum legal requirements, but does not have enough coverage to pay for the damage caused