Every driver in Louisiana is required to have automobile liability insurance. If you are driving your friend/family member’s vehicle, but do not have insurance yourself, that is ok — as long as the vehicle is insured. After an accident, insurance companies like to confirm that you (the victim) had proper insurance. They tell you they need to “verify” coverage. They are doing this because Louisiana has a “no pay no play” statute. The “No Pay No Play” statute is a penalty statute that penalizes a person for failing to have proper automobile liability insurance on their vehicle (or the vehicle they are driving). Under this statute, the insurance company is allowed to hold back payment of $15,000 toward any bodily injury payment and $25,000 toward any property damage payment. As you can imagine, such a situation can be truly detrimental to your case even if you were not at fault. JJC Law is well versed in the “No Pay No Play” statute and can provide advice and guidance on how to handle such a situation. Call the New Orleans car accident attorneys at JJC Law for a free consultation today.