No Insurance, Don’t Blame Me

“No Pay, No Play” was signed into law by Governor Sam Brownback in 2011.  Because of this law, uninsured drivers can’t make a claim for pain and suffering. Drivers who do not have a basic, state-required personal injury protection (PIP) policy at the time of an accident will not have the FULL ability to sue for losses. These drivers can only collect on damages for property, medical bills, and lost wages.  No pay, no play prohibits people from collecting non-economic damages like “pain and suffering” and “loss of companionship.” The law contains an exception which states if the uninsured driver was uninsured for 45 days or less at the time of the accident and had been insured for the year prior to that period, he or she would still be able to collect for non-economic damages.

On the surface this law looks fair. But in real life, the truth is much different. Who gains from this change? The insurance companies gain by not having to pay the full value of claims. Again, the taxpayer loses and has to pay for the injuries not paid by the insurance company of the person who caused the accident. At times, injured people will need to use the public welfare system and other agencies to help them with expenses which insurance companies previously paid.

If you have questions on this law or insurance coverage issues, Patterson Legal Group, LC would like to talk with you. We have been able to help several clients with issues like this. Call us at 888-687-2400 or connects with us online through LiveChat for a free consultation.

The information on this blog is for informational purposes only. It is not meant to serve as legal advice for an individual case or situation. This information is not intended to create an attorney-client relationship nor does viewing this material constitute an attorney-client relationship.

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TS

It was comforting knowing that I had the Patterson Legal Group on my side while I was injured in a hit by a drunk driver. It was nice to be able to heal & recover & not have to worry about the legal part of the insurance company. Thank Patterson Group for all your help!

MH & CH

It was a secure feeling to know our medical bills were going to be paid. We always looked forward to coming into the office to talk to staff. Staff was so friendly and kind. Thank you so much Gary for your concern.

Joyce T.

Thank you for Deanna listening to all my crying and whining, she was great moral support for me throughout this process. Kenton, thank you, you are a very good lawyer!

Debbie S

They were very understanding of my issues and worked with me to complete the necessary forms and documents. This process took several months and they kept in touch with me and kept me informed through the whole process. My attorney was always available to answer any questions that came up and she was very prompt […]

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