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Importance of Owning an Insured Vehicle

Last month I had to look a man in the eye and tell him “I can’ t help you.” I hate that I had to, especially after finding out he was the first person to be victimized two times with no help. The first time was when he was injured in a car accident that was not his fault. The second dealt with Kansas Laws on insured cars. Here’s a further explanation:

‘PAY TO PLAY’ is the new Kansas law’s name for uninsured car wrecks that involve injuries. Basically, if you are injured in a motor vehicle accident and you do not carry required liability insurance on a owned vehicle, you CANNOT make a claim for pain and suffering or what is legally defined as non economic injury. This law became effective July 1, 2011.

Solution: The law requires current liability insurance on any registered ( tagged ) vehicle you own.

This is why he was not able to receive help the second time, which emphasizes the importance of owning an insured vehicle.

A Final though: Here in lies the motive— to discourage and decrease the numbers of uninsured drivers on the road. At the same time, there will always be uninsured drivers out there and all this law does is transfer the cost of bad driving from a for profit insurance company to the victim of bad driving.