Car insurance laws vary from state to state. Two key differences are the minimum insurance requirements and the consequences of not having valid insurance. In Louisiana, we have a “no pay, no play” law. Read on for a full explanation.
According to Louisiana’s “no pay, no play policy,” if you were injured due to another driver’s negligence, and you were uninsured, then there are limits on the amount of damages that you can recover. You would not be able to collect the first $15,000 for damages related to bodily injury. Also, you cannot claim the first $25,000 for property damage.
Does the No Pay, No Play Rule Apply to Your Case?
If you have been injured in an accident and would like to know if the no pay, no play policy applies to your case, call Morris Bart, LLC. If you have a legitimate claim, then you may be entitled to compensation to pay for medical bills, lost wages and other damages.
If you live and drive in the state of Louisiana, then it is important to understand how the state’s no pay, no play laws may affect your case. Read on to learn more about this policy:
Why Louisiana Has a No Pay, No Play Policy
According to DMV.org, the cost of auto insurance in Louisiana is high compared to other states. In fact, it ranks second in the nation – just behind Michigan. The reason for these high premiums is simple: More than 10 percent of Louisiana motorists are uninsured. This is why legislators introduced the no pay, no play policy – to encourage more drivers to purchase auto insurance.
Do I Need Liability Insurance or Full Coverage?
In Louisiana, drivers do not need full insurance coverage. If you have liability coverage for your car and the policy is compliant with the state requirements, then you can claim against the negligent driver’s insurance company. Under these circumstances, it is not necessary to file a claim with your own insurance provider.
The no pay, no play policy is just one of many laws that govern personal-injury cases. Understanding these laws can help you avoid mistakes and potentially speed up the process of recovering damages.
If you have been injured in a car accident, call Morris Bart, LLC. We can handle the legal side of your wreck so you can focus on recovery. To schedule a consultation with one of our personal-injury lawyers, call our 24-hour attorney hotline at 800-537-8185.