A client by the name of Jacob called me the other day with some bad news.  He was injured in a car accident a few months back.  Fortunately, he recovered from his injuries, but he had medical bills and some lost wages.

Now Jacob was completely free from fault in the accident.  The defendant admitted fault.  But Jacob didn't have car insurance at the time of his accident.  He was planning to get it the next day.

I had to explain to Jacob about the "No Pay No Play" Statute..

La. R.S. 32:866 (A)(1) says that if you don't have liablility insurance in effect when you're in an accident, you can't recover the 1st $10,000 of your damages for injuries or property damage.  In other words, if you don't pay for insurance, you can't play the personal injury game. 

While there are some exceptions to the no pay no play rule, don't take chances.  It's another reason why it's so important to follow the law. 

I'm Attorney Greg DiLeo, and this has been "Your Legal Minute.";