|KANSAS AUTOMOBILE INSURANCE PLAN|
|Address:||Mail Applications To:||
2704 NW Topeka Blvd., Suite B
Topeka, KS. 66617
2704 NW Topeka Blvd., Suite B
Topeka, KS. 66617
|Continue to: Kansas Automobile Insurance Plan||Continue to: Kansas Automobile Assigned Claims Plan|
***KAIA Annual Convention***
Thank you for attending our booth at the KAIA Annual Convention. We would like to congratulate Fletcher Raleigh from Little River, KS, as he was the lucky winner in the drawing for our YETI Cooler! If you have any questions or would like more information about signing up to quote business with KAIP please contact Heather Droge, Plan Manager, at 785-273-6300 or email@example.com.
The staff and Board Members of the Kansas Auto Insurance Plan (KAIP) and the Kansas Automobile Assigned Claims Plan (KAACP) sadly announce the recent passing of Gary Domer, whose planned retirement as manager of these plans was less than a month away. Gary served as manager of the Kansas auto plans for 16 years. Gary’s leadership helped the state of Kansas maintain a stable market for the plans’ customer bases, and his commitment to insurance consumers in the state of Kansas was unparalleled. Gary also served as a volunteer for programs assisting youth, including many years with the Sunrise Optimist Club of North Topeka. He will be missed by all who knew him.
Operations of KAIP and KAACP will continue without interruption.
***IMPORTANT NOTICE – EFFECTIVE JANUARY 1, 2023***
Effective January 1, 2023, the Kansas Automobile Insurance Plan and the Kansas Automobile Assigned Claims Plan mailing addresses will change.
Our new mailing address will be:
NW Topeka Blvd, Suite B, Topeka, KS 66617
***IMPORTANT NOTICE – EFFECTIVE 9/1/22***
Change in Commercial Automobile Insurance Procedure (CAIP) Servicing Carrier
Effective September 1, 2022, National Specialty Insurance
Company (National Specialty) will be replacing National Continental
Insurance Company (NCIC) as the CAIP Servicing Carrier for the
Kansas Automobile Insurance Plan. The National Specialty policies
will be serviced by AIPSO. This change will apply only to policies
issued by NCIC.
Kansas Electronic Payment Process Is Now In Use
For Producers: E-Pay Helpful Hints!
The new E-Pay and Paperless process is now in use for Private Passenger applications. As you become more familiar with this new process, you will see the benefit of how quickly the policy can be issued by using electronic payment, Credit/Debit card or Producer Sweep, and an electronic delivery method, either by Fax, or by Scan and Upload. No more waiting days for mail delivery, this process allows you to transmit the application as soon as it has been signed.
Plan Rules require that the signed electronic application be transmitted (by using either Fax or Scan and Upload) within 2 working days of submission of the application in EASi. To take best advantage of automatic delivery, producers should not submit the application in the EASi system until the applicant is present to sign it. If they are not present to sign, you can tell the applicant what the deposit premium amount will be by looking at the EASi Summary Information screen. Tell them you cannot Submit the application until they come in to review and sign. Instead of clicking Submit, you should Save and Exit the application in EASi. This will keep all your information for that application saved in EASi until the applicant arrives to sign, at which time you can Submit, enter the payment information, print out the application and have the applicant sign.
To see more detailed instructions, producers can access
the E-Pay Producer Guide and E-Pay application checklist by visiting
New Business Private Passenger Application
January 1, 2020
If you have not yet provided your updated producer information to the Kansas Plan and would like to be registered for EASi, please contact the Plan office at 785-273-6300.
***IMPORTANT NOTICE*** Effective January 1, 2011
Kansas Automobile Insurance Plan
P.O. Box 8789
Topeka, KS 66608
In addition, the Kansas Automobile Insurance Plan will be moving their office to a new location during 2011. We will be providing more information on the move in the near future.
|What is KAIP?|
Often referred to as “the assigned risk plan” the Kansas Automobile Insurance Plan is the state’s residual market for individuals or businesses who are unable to obtain coverage through the regular voluntary insurance markets.
The KAIP was established by the Kansas Legislature on November 20, 1950 under KSA 40-2102 to provide private passenger auto liability insurance to those unable to find coverage in the voluntary markets. Physical damage coverage was added to the Plan later as the need arose. Today, KAIP provides insurance coverage for private passenger autos, motor homes, motorcycles, non-owners, and many other personal lines risks.
The Plan was amended in 1984 to provide coverage for commercial autos. KAIP now insures commercial autos and trucks, long-haul truckers, buses, taxis, limos, garage risks such as auto dealers and service operations, drive-away contractors, pizza delivery and other hired or non-owned risks.
Commercial risks are assigned to a servicing carrier under contract with the Plan to process the business, issue the policies, and pay the claims. Costs are then assessed to all Kansas member companies under a pooling arrangement based upon commercial volume written in Kansas.
Private passenger auto assignments are direct to the insurance company and become that company’s book of business. The volume of applications assigned to a company and the costs assessed annually to that company for KAIP operations are based upon that company’s voluntary liability writings in Kansas to the state’s total voluntary writings.
The Plan accepts applications from any agent licensed to write property and casualty insurance in Kansas. Persons needing personal or commercial insurance should be able to rely on any Kansas agent (also referred to as Producer) for help securing insurance through the Plan. Agents are expected to maintain an up-to-date manual of KAIP rules and rates and KAIP application forms. The producing agent is expected to assist the insured with policy changes, claim reporting, and all normal duties expected of an agent.
The Plan is administered by a nine member Governing Board appointed by the Commissioner of Insurance. Five members are representatives of insurance companies admitted and writing in Kansas, two members are licensed independent insurance agents, and two members represent the general public. A Plan manager is employed by the Governing Committee (Board) to manage the daily affairs of the Plan. The Committee meets three times each year with the fall meeting designated as the annual meeting.
Member companies are assessed a share of the Plan’s annual operating budget which is prepared by the Plan manager and approved by the Governing Committee during the fall annual meeting. The assessment is determined as a percentage of the member company’s private passenger auto liability writings to the state’s total writings with a minimum fee assessed to all admitted members.
HISTORY OF THE PLAN
Known initially as the Kansas Automobile Assigned Risk Plan, the Plan officially began business in 1951 under KSA 40-2102. The Act empowered the Kansas Insurance Commissioner to establish a plan of involuntary insurance for persons unable to find coverage in the voluntary markets. The Act required insurers licensed and writing auto liability in Kansas to provide an involuntary plan of insurance for the otherwise uninsurable and that those member companies be assessed for the financial operation of the Plan based upon the volume of voluntary auto liability insurance written compared to the state’s total voluntary writings. Thus, this non-profit entity is looked upon as a quasi governmental agency/private enterprise undertaking.
All admitted companies were required to subscribe to the Plan through Insurance Commissioner Frank Sullivan’s office by September 8, 1950.
Initially, Kansas statutes required liability insurance limits of $5,000/$10,000 bodily injury and $5,000 property damage on all registered autos.
January 1, 1958
July 1, 1965
July 1, 1968
January 1, 1974
Mandatory bodily injury and property damage limits of $25,000/50,000/10,000 became law.
July 1, 1981
January 1, 1984