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What Is the Louisiana 'No Pay, No Play' Law? Since 2011, Louisiana drivers must carry auto accident insurance, or they won't be able to recover damages, ing to the ?no pay, no play? law, also known as RS 6.
What is the Louisiana "No Pay, No Play" law? In Louisiana, when there is a car accident, the driver who does not have the required car liability insurance coverage, cannot recover the first $15,000 for injuries and the first $25,000 for property damage.
The owner's insurance is liable only for those accidents where the owner authorized or consented to the driver's use of the vehicle.
Expired or No License or Registration 1. If a vehicle domiciled in Louisiana is operating with an expired Louisiana license or registration or no Louisiana license or registration, the penalty will be 25 percent of the annual cost of the proper license.
Car insurance generally follows the car instead of the driver, so the car owner's insurance will cover the crash, even if someone else is driving. On the other hand, if your car is taken without permission or the driver is not licensed, the driver is responsible.