unisured accident

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Posted: Wed Jul 22, 2009 8:46 pm Post subject: unisured accident

Hi. I recently got into an accident in louisiana that was not my fault.however I was not insured.there is a La that states the faulty party/nor there insurance is responsible because I was not insured.is there anything I can do please help...

bwswilliams

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Joined: 22 Jul 2009
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Posted: Wed Jul 22, 2009 9:33 pm Post subject:

It's commonly referred to as No pay, No play. In LA this only applies to non-economic losses (i.e. pain and suffering as a result of an injury). It does not apply to property damage to medical bills incurred as a result of an injury. Question... how would you feel if someone totaled out your vehicle and did not have insurance? What would you do next? This is a rhetorical question... just trying to put things into perspective.

tcope

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Posted: Thu Jul 23, 2009 6:46 am Post subject:

Quote:

there is a La that states the faulty party/nor there insurance is responsible because I was not insured.is there anything I can do please help

They are right. This is called the no-pay-no-play law, under which if you don't carry liability coverage the Louisiana law would prohibit you from collecting the first $10k of damage.

However, I've a question, how can you have gap policy without having proper insurance? Do you have collision coverage?

jeorge

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