Q: Legal options for car accident injuries when insurance lapsed
My vehicle was struck by another vehicle on March 13, 2023; the other driver was at fault and received traffic citations. The accident totaled the car and injured two passengers with facial injuries and a broken hip. My mother’s insurance lapsed on March 9, 2023, and the responsible party’s insurance is refusing coverage. What legal options do I have to pursue compensation for the damages and injuries?
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- Louisiana
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A: Unfortunately, if the crash occurred in March 2023, the matter is prescribed - meaning your claim is lost. If the date you entered is wrong and the crash occurred recently in March 2025 - you may have options. Even though the insurance on your vehicle was lapsed and the claim may be subject to Louisiana's No Pay, No Play law, depending on a number of facts and the amount of damages, you may be able to file a claim. I would suggest reaching out to a lawyer right away to discuss the specific facts of this in more detail.
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