Louisiana has a “no pay, no pay” law, which restricts compensation for uninsured and underinsured drivers. This law, Louisiana Revised Statute 32:861, provides that underinsured victims of another driver’s negligence cannot collect the first $25,000 of property damages and the first $15,000 of bodily injury damages.
This means that uninsured and underinsured drivers injured in a truck accident must cover the first $25,000 in property damage, such as car repairs, and the first $15,000 in bodily injury damages, including medical bills.