No Pay No Play: What does this law state?

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PostPosted: Sat Jul 08, 2006 10:17 am   Post subject: No Pay No Play: What does this law state?  

No Pay No Play



Promotes the idea that individuals who do not purchase coverage should not receive benefits. This does not allow uninsured drivers to be compensated by insured drivers. In many states uninsured drivers need to pay a certain amount as deductible before they can sue any party for bodily harm or for property damages.


Last edited by lakemen on Wed Jul 14, 2010 6:13 am
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PostPosted: Thu Feb 22, 2007 4:26 pm   Post subject: TEXAS LIBILITY LAWS  

DOES TEXAS HAVE TO NO PAY NO PLAY LAW??


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PostPosted: Fri Feb 23, 2007 4:41 am   Post subject: Yes!!  

Yes, the No Pay No Play plan always plays a key role towards reducing auto insurance costs. Under the present scenario of claims and payments in the Insurance market the auto compensation costs are bound to lessen by upto 6% as per the latest auto rules in Texas. Regards, Fatman.

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PostPosted: Fri Feb 23, 2007 5:03 am   Post subject: Certainly!  

Hi, No Pay No play is certainly important. If you see the difference of compensation costs from the auto premiums in the texas auto insurance history you'd be amazed to see a resulting 3% drop in the auto premiums for the Texas based drivers. Thanks for putting your queries across to us! ArindamSenIndies

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PostPosted: Fri Feb 23, 2007 8:15 pm   Post subject:   

Well, this is a little one side... so I'll play devils advocate Smile



No Pay No Play sounds good if you don't look to hard at it. Question... don't states already have laws against driving w/o having insurance? If they are not strong enough, why not simple increase the penalties? After all, those laws _specifically_ deal with this issue of no insurance.



Now... your mother is sitting at a red light and someone comes speeding up at 80mph and rear ends her vehicle. She suffers major injuries and you are by her side in ICU the entire time. Well, turns out she forgot to pay her insurance bill and her policy lapsed. Should the other person then not be responsible for his/her actions? My point is that they have _nothing_ to do with each other! Not paying your insurance bill on time and continuing to drive has _nothing_ to do with the accountability of others.



People have mentioned a reduction in insurance premiums. Gee, that sounds wonderful..... but what does it have to do with the subject? It only means insurance companies are paying less in claims. If you relate this to No Pay No Play, then the reason is still that simple... insurance are having to pay less as people are (still) driving without insurance. So the law simply benefits insurance companies.



Lastly, what if an uninsured person hits you. What does No Pay No Play do then? Answer... absolutely nothing.



So is No Pay No Play a good answer to the problem of people driving without insurance? Nope. Would strictly enforcing the no insurance laws on the books help? I'm betting yes.

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PostPosted: Fri Aug 24, 2007 6:45 pm   Post subject:   

Does anyone know which states have this No pay no play statute ?........Please respond quickly......


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PostPosted: Sat Aug 25, 2007 1:43 pm   Post subject:   

While each state has their own versions of NPNP, Alaska, Michigan, California, Louisiana and New Jersey all have a form of it.

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PostPosted: Thu May 22, 2008 2:58 am   Post subject: insurance company cancel my insurance  

my insurance company cancel insurance after i paid befor a check bounce in cash and the insurance company back dated my policy. what can i do QuestionQuestionQuestionMadMadMad


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PostPosted: Thu May 22, 2008 3:52 am   Post subject: insurance  

I don't know if the state of PA has this no pay no play statute, but..I CAN tell you this. If you are uninsured and get into an accident, you WILL pay MAJOR fines, you WILL lose your DL and you CAN go to jail. However....yes, there are STILL people ( uninsured and NO DL) that drive all of the time.

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PostPosted: Fri Nov 07, 2008 2:55 pm   Post subject: sued by uninsured driver  

How is it possible in Missouri that I am being sued by an uninsured driver in a no fault accident? I carry full coverage including uninsured/ underinsured.


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PostPosted: Fri Nov 07, 2008 3:44 pm   Post subject:   

You'll be provided a defense by your own insurer. Even though Allstate is the one that claims (in commercials) that they will protect you in events like these, all insurers in your state of Missouri are required under contract provisions to provide for your defense whether you're at fault or not. If they fail to present a defense, you need to contact an attorney that deals in Bad Faith issues. That's all I have to share in response to your no pay no play query!


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PostPosted: Fri Nov 07, 2008 4:57 pm   Post subject:   

Quote:
How is it possible in Missouri that I am being sued by an uninsured driver in a no fault accident? I carry full coverage including uninsured/ underinsured.
Because the other driver/owner does not agree that it was a "no fault" accident. Almost all (or all) accidents are not no ones fault. Someone needs to have some degree of negligence or the accident would have never occured.



UM and UIM (probably bodily injury, not property damage... but that does not matter) is coverage for yourself when someone else does not have coverage/enough coverage to address _your_ loss. In this case the other party is stating that you caused _them_ a loss.
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PostPosted: Thu Jul 01, 2010 1:59 am   Post subject:   

If you are sitting still, waiting to turn when traffic clears, and you are hit from the rear, car totaled, sending both passenger and driver to the hospital, one with a concussion; the car a volvo and the other is an f150 off road tires, jacked up. The injured parties insurance expired, not realizing it; insurance has been paid up until then, I don't understand how you can say no pay no play is fair.


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PostPosted: Thu Jul 01, 2010 2:12 am   Post subject:   

is there an extinuating circumstance to the no pay no play?


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PostPosted: Thu Jul 01, 2010 2:14 am   Post subject:   

is there an extinuating circumstance to the no pay no play?


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