Enactment of no pay, no play law has only a modest effect on the percentage of uninsured motorists within a state, says a study from the Insurance Research Council.

The Malvern, Pa.-based research group says it has developed a statistical model that estimates that the uninsured motorist rate can fall by as much as 1.6 percent after a state adopts a no pay, no play law.

The law prohibits uninsured drivers from collecting certain damages from negligent insured drivers, says the International Risk Management Institute. Typically, the uninsured cannot collect noneconomic damages and they are required to pay a large deductible before they can sue for property damage.