At the Russell Law Firm, LLC, our Baton Rouge personal injury lawyers are well-versed in the intricacies of Louisiana’s car accident laws. We understand that in such cases, the driver without the mandated car liability insurance coverage is unable to recover the first $15,000 for bodily injuries and the first $25,000 for property damage.
This legislation, known as the “No Pay, No Play” statute, was passed in 2011 to persuade Louisiana drivers to purchase insurance.
Our East Baton Rouge Parish car accident attorneys also know this law has several exceptions.
What are the Exceptions to Louisiana’s No Pay No Play Law?
In Louisiana, the law only requires that drivers carry the minimum required liability insurance, which is $15,000 in medical costs per person injured (capped at $30,000 for bodily injuries per accident) and $25,000 in vehicle repair costs.
Drivers are not required to purchase any other type of auto insurance.
Additionally, the No Pay No Play law in Louisiana has four other essential exceptions:
- The law doesn’t apply to drivers from other states with different insurance requirements who get into crashes in Louisiana.
- The law doesn’t apply if the at-fault driver broke specific laws before the crash, including driving while intoxicated, intentionally causing the accident, fleeing the scene, or if the at-fault driver was committing a crime or fleeing after committing a crime.
- If your car was legally parked during the collision, the law does not apply, even if you don’t have auto accident insurance.
- The law does not apply to a passenger in an uninsured car if the passenger has no ownership interest.
If you have been injured in a crash with a driver who was not carrying the proper insurance in Louisiana, you may have other legal options to pursue compensation for your injuries or the loss of your loved one. We can help.
The Russell Law Firm is in Your Corner, and We Fight to Win
Contact our dedicated Baton Rouge car accident and injury attorneys today at (225) 307-0088 or online to get the legal support you need to produce real results for your unique case.
Information furnished herein is only general and not a substitute for personalized legal advice. Any discussions and photographs visible herein are not any depiction of any actual event or scene but merely a dramatization.