Uninsured drivers in Kansas may want to rethink their decision.
The Kansas Legislature has passed the so-called “No Pay/No Play” bill (SB 136), a piece of legislation that aims to encourage more drivers to purchase auto insurance, which is mandated by state law.
Their goal is to reduce the number of uninsured drivers on Kansas roadways, according to a press release from the Property and Casualty Insurers Association of America (PCI).
How Does the Proposed Law Work?
A No Pay/No Play law would prohibit the ability of drivers to recover non-economic damages in the event they suffer bodily injury as a result of an accident if they do not have personal injury protection coverage (PIP).
What we’re talking about here is “pain and suffering” damages. Uninsured motorists would still legally be able to collect damages for bodily injury and property damage that results from another’s negligence…just not the “extra” money beyond that.
Kansas is taking the position that if you’re not capable of providing certain benefits (i.e. pain and suffering damages) if you’re the at-fault driver, then you don’t deserve to collect them yourself if someone harms you.
And it’s not acting as a rogue state here. The release notes that Alaska, California, Iowa, Louisiana, Michigan, New Jersey, North Dakota and Oregon all have statutes based on the concept of no pay/no play as well.
In addition to Kansas, Minnesota and Montana also considered no pay/no play legislation this year.
Read more: Is car insurance required in every state?