Article By: Britney L. Hebert – Attorney at Law
The Importance of Carrying Compulsory Liability Insurance
In Louisiana, the “No Pay No Play” law—codified in LA R.S. 32:866—impacts drivers without compulsory auto liability insurance, even when they are not at fault in an accident. This law limits your ability to recover damages after an accident if you are uninsured. Specifically, you cannot claim the first $15,000 for bodily injury and $25,000 for property damage, even when liability is clear.
Key Points of Louisiana’s “No Pay No Play” Law:
- Uninsured Drivers: Even careful, law-abiding drivers are subject to this law if they lack mandatory liability coverage.
- Restricted Compensation: Uninsured drivers cannot claim damages for the first $15,000 in bodily injury and $25,000 in property damage, even if they are not at fault.
- The Importance of Compliance: Carrying compulsory liability insurance is crucial not only to comply with state law but also to protect your right to fair compensation in the event of an accident.
Why You Need Auto Liability Insurance
Maintaining auto liability insurance is essential to safeguard your financial and legal interests. Insurance acts as a safety net, ensuring you won’t face unnecessary legal or financial obstacles after an accident. Without it, you risk limited recovery under the “No Pay No Play” law, which can significantly impact your ability to recover damages, even when the other party is clearly at fault.
Protect Your Rights and Your Future
Driving uninsured in Louisiana is a gamble with serious consequences. Whether you’re involved in a minor fender-bender or a major accident, being uninsured can prevent you from accessing the full compensation you deserve. Don’t let the “No Pay No Play” law dictate your recovery options. Stay insured, and ensure that you have legal recourse in case of an accident.
If you need legal assistance navigating this law or any other auto accident-related legal matters, our team at The Glenn Armentor Law Corporation is here to help.
