Reader’s Question:

What will happen if you get involved in a car accident and you do not have car insurance in the state of Louisiana?

Denver

Monroe, LA

If you do not have car insurance on your motor vehicle at the time of the accident, the “No Pay, No Play” law would then apply in Louisiana. That is, a person who does not have car liability insurance, no matter who is at fault, cannot collect for the first $10,000 of damages in an accident.

If you were at fault in the accident then I am sorry to tell you but of course you would have no insurance to make a claim through therefore you will likely be held personally responsible for the damages that you caused to the other party.

In Louisiana, the penalties for driving uninsured if you are cited by Louisiana law enforcement is that the vehicle can be impounded, you may be hit with fines and administrative fees, registration and license plates (tags) can be suspended or revoked as well.

Tags: auto insurance, car