This is what La. R.S 32:866. has come to be called. What is no pay, no play? Simply put, if you do not have insurance on your vehicle at the time of an accident, even if you aren’t at fault, you cannot make a claim for your property damage or your bodily injury. Specifically, you can not collect the first $15,000 of bodily injury or $25,000 worth of property damage. This applies to not only the driver but also the owner.
For Example: if you’re riding in your own uninsured car with someone else, then you would BOTH be unable to make a claim.
Thankfully, there are some exceptions to this rule:
- If the driver is found guilty of or if there plead no contest to DUI
- If the at-fault driver hits and runs
- If your car is parked