Dan Burghardt explains why today, we’re diving in the nitty-gritty of a Louisiana auto insurance law that impacts all of us on the road: The “No Pay, No Play” statute. You know, it’s not just about paying your premiums; it’s about understanding how the system works to protect you and others. So, let’s get to it.
The Birth of “No Pay, No Play”
In the soulful state of Louisiana, we like to keep things fair and square. To do just that, the “No Pay, No Play” law was enacted in 2011. Why? To persuade you, me, and every driver in this beautiful state to get insured. No more free riders! Essentially, the law aims to minimize the number of uninsured drivers cruising along our highways and byways. Here’s the gist: if you don’t have required car liability insurance and get into an accident, you can’t recover the first $15,000 for injuries or the first $25,000 for property damage. Think of it like a cookie jar. If you haven’t put any cookies in, don’t expect to take any out!
The “Exceptions” Beat
Just like in jazz, there are some improvisational exceptions to this law. For instance, if the other driver is cited for driving while intoxicated (R.S. 14:98), deliberately causes the accident, or flees the scene, you may still be able to claim damages. The same goes if they’re committing a felony at the time. And if their car isn’t even being operated during the accident and isn’t violating other laws, then the “No Pay, No Play” limitations won’t apply.
Other Side Notes
Here are a few more things to keep in mind:
- Passengers, you’re off the hook. If you’re just riding along in an uninsured car but have no ownership in it, the law won’t hold you back from claiming damages.
- Out-of-staters, take a breath. If you’re from a state with different insurance requirements, Louisiana will give you a pass.
- Lastly, if your car is legally parked and gets hit, you’re not subject to these limitations.
The Bottom Line
Insurance isn’t just a piece of paper; it’s your safety net. And Louisiana’s “No Pay, No Play” law is here to make sure everyone contributes their fair share to that communal safety net. So, don’t gamble with your financial well-being or your peace of mind—get insured.
