No Pay No Play: What does this law state?

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PostPosted: Thu Jul 01, 2010 5:13 am   Post subject:   

Quote:
I don't understand how you can say no pay, no play is fair.
I just can't plain understand. Perhaps using _some_ type of grammar or sentence structure might help.
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PostPosted: Thu Jul 01, 2010 5:14 am   Post subject:   

Quote:
is there an extinuating circumstance to the no pay no play?
Since "extinuating" is not a word, I'll have to say no.
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PostPosted: Thu Jul 01, 2010 11:56 am   Post subject:   

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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
Well, if your uninsured vehicle were not on the road at all, as it should not have been. You and your vehicle, and passengers would not have been hit. Remember, the no pay no play states typcially still provide for 'economic' losses..meaning your medical bills, loss of wage etc. Just no 'extra' money for your pain/suffering/etc.



Let me ask you something..how 'fair' is it that I pay my prems. every single month for 34 years...but you don't have to? You can rearend me at the same light, and not have the coverage or means to repair me or my vehicle?


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PostPosted: Fri Jul 02, 2010 3:55 am   Post subject: insurance  

Wow, LORI... guess you made your point!! I've had friends (yep..said "HAD") that drove without a vaid DL, no Insurance, etc. and had gotten into accidents. Then...when the OTHER Insurance companies say "you have to pay for our clients damages" they actually get mad! Their attitudes are, "how dare they do this to me!", etc. Well........what do they (past friends) expect?! They needed to own up to their responsibilities. Don't you agree?

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PostPosted: Fri Jul 02, 2010 11:09 am   Post subject:   

Couldnt agree more SD, ask my poor (grown) kids...Mama Lori don't play irresponsiblity very well Wink



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PostPosted: Fri Jul 02, 2010 12:51 pm   Post subject: insurance  

"MAma LORI?"..oh, that's cute!! Being a single parent..yep..it can get a bit tight (financially). However...I just wouldn't drive without Insurance. It's just an iggnorant thing to do (speaking 'generally', I mean). I would rather barrow the money, to pay my payment, every month, then drive without it. The fines, etc., should be 'incentive enough' NOT to drive without Insurance. Confused

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PostPosted: Sat Jul 03, 2010 10:09 pm   Post subject:   

Not to mention ruining you (and your son) financially for EVER if you cause an accident...not wise, nor responsible.



As to the "mama lori" thing...been called that by most that know me (including grown men that worked for me), for 20 years or more. Clearly I tend to 'mother' everyone Rolling Eyes



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PostPosted: Mon Jul 05, 2010 1:33 am   Post subject: insurance  

My son is the most important person, in my life!! i would screw up his life, as well, I would think. "Mama LORI".....just really cute!!...LOL

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PostPosted: Wed Sep 22, 2010 6:51 pm   Post subject:   

No Pay / No Play is fair. Why should u reap the benefits of insurance if u dont pay into. Its a pool risk by all drivers. And policies just dont cancel... most insurance companies keep u paid up at least 30 days in advance and send bills and cancelation notices. If your policy cancels it happens cus u knowing let it happen, so u should stop driving. Again uninsured people are just a burden on the honest people who take care of ther responsibilities


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PostPosted: Wed Sep 22, 2010 7:08 pm   Post subject:   

I just wanted to clarify, there is NOT a No Pay/No Play law in effect in Texas.



State Representative Frank Corte in San Antonio has filed his "No Pay/No Play" legislation every session for over a decade, but it never passed.


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PostPosted: Wed Sep 22, 2010 7:09 pm   Post subject:   

I just wanted to clarify, there is NOT a No Pay/No Play law in effect in Texas.



State Representative Frank Corte in San Antonio has filed his "No Pay/No Play" legislation every session for over a decade, but it never passed.


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PostPosted: Wed Sep 22, 2010 7:15 pm   Post subject:   

Quote:
Why should u reap the benefits of insurance if u dont pay into
I don't think you fully understand the situation. I don't pay into your insurance... it's not a pool of 3rd party people. If I don't pay my insurance bill on time should that just give you a walk when you run into my parked car? Why should _you_ be able to walk away from causing damage to my property just because I did not pay my insurance bill in time? Keep in mind that there are already penalties that I suffer when this happens. I am issued a citation and this usually means I need to explain myself to a judge, pay fines and get insurance on my vehicle. I then also need to prove that I'm maintaining that insurance. Lastly my premiums are now much higher. But I'll ask again, does my not having insurance excuse you from being responsible for the loss that _you_ caused?



No Pay No Play also does not consider why a person does not have insurance. What if a child is insured under his parents policy and his parents don't pay the bill. The child may not know he does not have valid insurance. Should he not be able to collect from another party that caused him a loss? Again, he's already going to penalized for not having insurance... why should the person who caused the loss get a free walk?



Yes, I understand No Pay, No Play only comes into play for non-economic losses... but this is simply another reason why it does not work. If I don't have insurance and someone hits my car... my car is still going to be paid for.



No Pay, No Play is simply another law that makes people feel better... it really does very little to help the problem.
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PostPosted: Mon Sep 27, 2010 3:55 am   Post subject: Best Auto Insurance  

[[ Link removed per TOU by Moderator MaxHerr ]]

- try this one. I have their car insurance and, as I know, they can provide such a service.
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PostPosted: Wed Jun 15, 2011 8:42 pm   Post subject: no pay no play law in LA  

I was hit head on my insurance was canceled before HAPPEN HER,INSURANCE COMPANY NOT GOING TO PAY .FOR MY CAR SHE IS AT fault DID not yield .can take her to court


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PostPosted: Wed Jun 15, 2011 10:15 pm   Post subject:   

What is the reason her insurance company denied your claim? Did they tell you that they determined that their insured was not at fault?



You can sue anyone for anything. Doesn't mean you will win. But by not having insurance of your own, you will only be able to collect for the damage to your vehicle and any direct medical expenses you incurred. Nothing for "pain and suffering" in most states.



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