The "No Pay, No Play" Law (& Why You Need Insurance)

Lousiana is one of about 10 states with a car insurance law known as “No Pay, No Play.". This law prevents an uninsured or underinsured motorist from pursuing damages after a car accident, even if the accident was not their fault. This frustrating law prevents the injured from being compensated for losses and allows negligent drivers to escape the consequences of their actions. While it is always important to have proper insurance coverage as a driver, nothing excuses the injustice of a person avoiding the consequences of their actions.

What Does Louisiana’s “No Pay, No Play” Law Say?

Louisiana’s “No Pay, No Play” does not completely block an uninsured motorist from pursuing compensation after an accident. However, it does set limits so high that uninsured motorists will likely experience serious financial struggles if an accident is serious enough.

Louisiana’s “No Pay, No Play” law requires uninsured or underinsured motorists to:

  • Pay the first $25,000 of property damage
  • Pay for the first $15,000 of bodily injury

Notably, this law even applies to someone who is insured but does not have a policy that is adequate to cover damages. These heavy-handed rules harm those who are already struggling financially the most.

Louisiana & Expensive Premiums

To make the situation worse, Louisiana is the second most expensive for automobile insurance in the nation. So, not only does the state have some of the most severe financial repercussions for uninsured motorists, it has an insurance market that makes it nearly impossible for the underprivileged to insure themselves adequately. While it is essential to have insurance as required by the law, some people chose to risk driving uninsured, so they can accomplish the tasks of daily life, including making a living. While this is not legal, expecting someone to pay for this crime with their health is unfair, unpractical, and just plain cruel. 

Our Louisiana Car Accident Attorneys Are Here to Help

At Clayton, Frugé & Ward, our team of Louisiana car accident attorneys know how difficult Louisiana’s car insurance market can be. While we can't change the law, we can fight to protect the people it harms the most. With over 25 years of experience, we are proud to have helped clients win millions of dollars in victories. If you have been in a car accident and are struggling financially because of the “No Pay, No Play” law, contact our firm today so we can begin building your case.

When you call our Louisiana car accident attorneys at (225) 209-9943 you will be connected to a member of our legal team for a free consultation. If we take your case, we will fight for your financial recovery in court, and you will not pay any fees unless we win results.