There are some things that are expected of drivers to be safe drivers. Don't drink and drive. Wear a seat belt. Insure yourself and your car. This last one is one that people can seemingly get away with because you don't know if someone else is uninsured... until an accident happens.
Louisiana a "no pay, no play" state. This means that uninsured motorists are limited from receiving some compensations because they cannot provide those things to other drivers. They cannot col