What is No Pay, No Play?

This is what La. R.S 32:866. has come to be called. What is no pay, no play? Simply put, if you do not have insurance on your vehicle at the time of an accident, even if you aren’t at fault, you cannot make a claim for your property damage or your bodily injury. Specifically, you can not collect the first $15,000 of bodily injury or $25,000 worth of property damage. This applies to not only the driver but also the owner.

For Example: if you’re riding in your own uninsured car with someone else, then you would BOTH be unable to make a claim.

Thankfully, there are some exceptions to this rule:

  • If the driver is found guilty of or if there plead no contest to DUI
  • If the at-fault driver hits and runs
  • If your car is parked

If you have any questions about no pay, no play, please give Gordon & Gordon a call today!

(318) 716-HELP (4357)

If I use my own insurance, will my rates go up?

The question we are often asked, & the confusion we hear about more than any other, is using your own insurance coverage to handle your personal injury claim. Most people believe that their insurance rates will increase. While there is certainly some truth to this, if you are at fault for an accident, yes, your rates can go up, but they will not go up if you are not to blame for an accident.  The State of Louisiana has addressed this issue in La. R.S. 22:1466(A), which says that:

“No insurer shall increase the rate, increase or add a surcharge, cancel, or fail to renew any policy of motor vehicle insurance when such action is based on consideration of one or more non-fault incidents.”

There are a few things to pull out of that statute:

  1. The insurance company can not add any type of charge to your account for you making a claim on your insurance.
  2. They can not take the claim into account, for insurability purposes or for rate purposes, when it comes time for you to renew your policy.
  3. It doesn’t matter at all how many times you make a claim on your policy, as long as you are not assessed any fault for the accident.

At Gordon & Gordon, we have had several clients who seem to have a target on their back. One client was rear ended three times in a year and we were able to make Uninsured Motorist claims without any impact whatsoever on his policy or rates.

If you have any questions, please give us a call at (318) 716-HELP.

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At Gordon & Gordon, we have over 30 years of combined legal experience in the following areas:

 

Serving clients throughout Shreveport, Bossier, Mansfield & the entire Ark-La-Tex, we are committed to achieving the best outcome for those who have been personally injured due to the fault of others and will go the distance to help our clients.

Give us a call at (318) 716-4357 and let Gordon & Gordon fight for the settlement you deserve!