The Twists and Turns of No-Pay/No-Play

Most people know that Louisiana has a strict no-pay, no-play law.  That means if you are driving and do not have any insurance, you cannot recover your first $15,000 of bodily injury or property damage.  

Here are some exceptions under this law:

  • The passengers in your car (including your children) can still make a claim.  We have handled a lot of cases where the car was not insured, but the passengers were injured and still received a recovery.
  • Another possible exception to the rule is when the insurance is lapsed for a short time, but you are in the grace period.  You may still be able to pay a reinstatement fee and make a claim.  
  • If you are driving a friend’s car who does not have insurance, but you have insurance on your own vehicle, you may still be able to make a claim. 

In addition to bankruptcy and criminal cases, the Gouner Law Office has recovered millions of dollars representing people in car accidents and other personal injury claims. If you or someone you know has been involved in an automobile accident, please make sure that our office is your first call. 

May we help you with a legal situation? To schedule a private consultation, call the Gouner Law Office at 225-293-6200 or toll free 800-404-1921You can also fill out our contact form.

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