How Louisiana’s No Pay, No Play Law Affects Your Claim

Louisiana passed a law that basically says that if you do not have insurance and somebody else hits you, you’re essentially barred from filing a claim against the other party. Let me give you the specifics. Now, the law is called no pay, no play. And what that means is if somebody hits you and you are injured, the first $100,000 of your claim is written off. So the other party gets a credit for $100,000. That means you have to be very injured in order to get a dollar from the other party. Think about it. Your claim has to be worth more than a hundred grand. So, the only cases my firm takes now are cases where somebody’s been killed or where somebody’s been in the hospital multiple days requiring surgery because, to be quite frank with you, not a lot of cases go above the $100,000 mark. And so, this is something that I encourage everybody in Louisiana: get insurance, get liability insurance, because if you don’t have it and you get injured by somebody else’s negligence, you’re out of luck.