If you were driving without the required liability insurance when you were hurt in a Louisiana crash, the No Pay No Play law bars you from recovering the first $100,000 of bodily-injury damages and the first $100,000 of property damage — even if the other driver was entirely at fault. You can still recover anything above those thresholds.
Louisiana penalizes injured drivers who were breaking the financial-responsibility law at the time of the crash. The penalty is steep, but it is not total.
Under La. R.S. 32:866, an uninsured owner or operator hurt in a crash cannot recover:
These amounts were raised by Act 16 of the 2025 Regular Session. Damages above each threshold remain recoverable.
The bar applies to the person who was required to insure the vehicle and did not. Passengers, pedestrians, and others not responsible for that vehicle's coverage are not subject to it. Fault is decided separately — No Pay No Play does not make the uninsured driver at fault, it only limits what an uninsured at-victim can collect.
If you were uninsured when you were hurt, the case is harder but not hopeless. A Louisiana injury lawyer can value the part of your claim that survives the threshold.
Partly. Under La. R.S. 32:866 you cannot recover the first $100,000 in bodily-injury damages or the first $100,000 in property damage if you were driving uninsured. Damages above those amounts are still recoverable, and fault still rests with the at-fault driver.
No. The bar applies to the uninsured owner or operator of the vehicle. Passengers and others who were not required to carry insurance on that vehicle are not penalized by this statute.
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