CAN I RECOVER PERSONAL INJURY DAMAGES IF I DON’T HAVE INSURANCE AND AM INVOLVED IN AN AUTOMOBILE ACCIDENT THAT WAS NOT MY FAULT?

The Louisiana Insurance Automobile Law is controlled by the "No Pay, No Play" statute, which bars motor vehicle owners who do not have liability insurance from collecting the first ten-thousand dollars of any bodily injury or property damage resulting from an automobile accident. This provision does not apply to passengers in the motor vehicle. In addition, accidents caused by drunk drivers or hit and run drivers are considered exceptions to the mandatory "No Pay, No Play" law and will allow victims to recover despite not having any insurance.