Reasonable competition and availability of excess coverage unaffected

40-3120. Reasonable competition and availability of excess coverage unaffected. Nothing in this act shall be construed as prohibiting or discouraging reasonable competition or the availability of motor vehicle liability insurance policies containing coverage exceeding that required to comply with K.S.A. 40-3118. History: L. 1974, ch. 193, § 20; February 22. Source or prior law: L. 1973, ch. 198, § 20. Law Review and Bar Journal References: "Insurer's Bad Faith: A New Tort for Kansas?" Janet Amerine and Jan E. Montgomery, 19 W.L.J. 467, 485 (1980). "Recent Developments in Kansas Insurance Law: A Survey, Some Analysis, and Some Suggestions," Robert H. Jerry II, 32 K.L.R. 287, 347 (1984). CASE ANNOTATIONS 1. Any insurance policy provision which attempts to dilute, condition or limit minimum coverage requirements of the K.A.I.R.A. is void and invalid; policies may allow or exclude coverage above statutory limits. DeWitt v. Young, 229 Kan. 474, 480, 625 P.2d 478. 2. Ambiguous insurance policy to be construed in favor of the insured. Howard v. Farmers Ins. Co., 5 Kan. App. 2d 499, 506, 619 P.2d 160. 3. Statute allows obtaining of excess coverage. Bradley v. AID Insurance Co., 6 Kan. App. 2d 367, 385, 629 P.2d 720 (1981). 4. Purpose of act considered; limitation on rights of subrogation considered. Hall v. State Farm Mut. Auto. Ins. Co., 8 Kan. App. 2d 475, 482, 661 P.2d 402 (1983).