Community stories from our partners and sponsors

Understanding Louisiana’s “No Pay, No Play” Law

Louisiana drivers, take note: “No Pay, No Play” is not just a catchy slogan; it is a state law with real impact on your road to recovery post-accident. Embodied in LA R.S. 32:866, this legislation has significant implications for drivers without compulsory auto liability insurance, even if they are not at fault in a collision.

Under the “No Pay, No Play” rule, those who hit the road uninsured in Louisiana are taking a gamble. Even if you drive cautiously and adhere to every traffic rule, you are exposed to the harsh reality of this law.

In the untimely event of a car accident where you are not to blame, LA R.S. 32:866 restricts your ability to recover damages. That is right: Without the mandatory liability coverage, you cannot claim the first $15,000 for bodily injury and $25,000 for property damage, regardless of how clear-cut the liability may seem.

The message here is uncompromisingly clear: Maintain your auto liability insurance. Falling into complacency can cost you, and we believe every driver deserves to be protected and have full access to legal recovery avenues.

If you find yourself in a complex situation navigating the “No Pay, No Play” laws, seeking professional legal counsel is crucial.

We stress the importance of carrying compulsory liability insurance not just to comply with the law, but to safeguard your legal rights. Should tragedy strike on the road, know that you have taken the proactive steps towards protecting your interests, ensuring that your path to fair recovery isn’t obstructed by preventable oversights.

Remember, insurance is not just about abiding by the law; it’s about creating a buffer of financial and legal protection for you and your loved ones. Do not let “No Pay, No Play” play a defining role in your post-accident experience.

Stay insured, stay protected. So, stay insured, stay safe, and keep enjoying Louisiana’s roads with confidence.

Learn more about us! Go to