DRIVING WITH NO INSURANCE IS NOW MORE DANGEROUS AND COSTLY

You have heard the term NO PLAY NO PAY but what does that really mean?  It means that if you are driving with no auto insurance, you are breaking the law.  One of the penalties is that if you are involved in a crash and are not at fault, you lose the right to recover a portion or maybe all of your damages that you would otherwise be entitled to recover.  Why?  Because you are not obeying the law and carrying the Louisiana required minimum liability insurance limits of $15,000.  The law that has been in effect states that if you have no auto insurance and get in a crash that is not your fault, you are not able to recover the first $15,000 of your case, medical bills, wage losses, vehicle repairs or replacement, etc.

            BUT WAIT!!!  A NEW CHANGE WILL SHOCK YOU!!!

            Beginning August 1, 2025, Louisiana law on this topic changes.  Now you will be giving up the first $100,000 of your claim value if you are driving with no auto insurance and someone injures you!!!  This means that you will be stuck with medical bills, wages losses and other losses, including your vehicle damage, for the first $100,000 of the value of your case. 

            What can you do?  Go get auto insurance now!  This is meant to encourage drivers to get car insurance.  This is a wake-up call for those of you who don’t have auto insurance and are still driving.  Imagine if you get in a crash while you have no auto insurance and have injuries that require medical treatment.  How will those bills get paid?  Plans you have for a home, a vacation, to pay off credit cards or other loans may vanish.  How will you fix or replace your car?  Imagine having that money still in your pocket, no additional debt and less stress in life.  Make it happen and make sure you have auto insurance.

Just because you have been injured and there is no insurance on your car does not always mean you will not be able to recover.  If this has happened to you, give us a call.  We are happy to meet with you, learn more about your unique situation and provide great advice.