If a rock falls from a truck on the highway and cracks your windshield in Louisiana who is at fault? It's usually not the same as who winds up having to pay.
There are a lot of things we keep in our vehicles while driving around Louisiana for those "just in case" moments, but I'm guessing a tea bag is not one of them for most folks.
Louisiana already has to pay some of the highest insurance rates in the country. If you get ticketed for these violations you could be paying even more.