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.

Case Results

  • $250,000: Defective Product
  • $500,000: Tow-Truck Operator Struck and Killed
  • $3,000,000: Insurance Bad Faith Claim
  • $1,600,000: Car Rollover
  • $395,000 auto accident
  • $500,000: Auto Accident
  • $1,000,000: Auto Accident
  • $1,725,000: Auto/Truck Collision

More Results

Testimonials

Douglas H

I don’t know how my wife and I could have navigated my recovery from a spinal cord injury/auto accident and the accompanying legal and insurance complexities without the help of Gary and his staff. From the day following my injury, they guided, advocated on my behalf, and managed to track all of my medical bills. […]

Kay A

Excellent service. Very professional & helpful. Quick to respond to any questions I had. Highly recommend this legal team.

Raylene L.

They relieved so much stress from my life after the accident. I would recommend them to anyone! Great job everyone! God bless!

JB

I was well pleased on how you and your staff handled my case and for the timely way it was presented. You and your staff deserve all the thanks and gratitude on how professional you were. I will definitely recommend you to family and friends and I will use you in the future.

More Testimonials