Q: I was involved in a car accident today in Louisiana. I do not have insurance but the person who hit me did. What can ido
I know there is a no pay no play law in Louisiana but is there any way I could do something about this?
A: In Louisiana, the “No-Pay, No Play” law bars uninsured and underinsured drivers from collecting the first $15,000 of bodily injury damages and the first $25,000 of property damages. This means that even if the other driver is at fault, an uninsured driver will have to cover medical costs up to $15,000, and car repairs up to $25,000.
So in short, unless you qualify for one of the exemptions, and your injuries are minimal, an attorney won’t be able to help you. The exemptions are as follows:
1. Only the state-required minimum liability insurance, not full coverage, is required to be exempt from the “No-Pay, No-Play” law.
2. The law does not apply to legally parked cars.
3. The law does not apply to drivers from another state if their state did not require them to have liability insurance at the time of the wreck.
4. The law does not apply if the other driver is convicted of driving while intoxicated, intentionally causes the wreck, fled the scene, or was furthering the commission of a felony at the time of the accident.
5. The law does not apply to a passenger’s claim unless the passenger is a co-owner of the uninsured car.
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