Core Louisiana Authorities

• La. R.S. 22:1295 — uninsured and underinsured motorist coverage and rejection requirements.
• Louisiana Civil Code art. 2323 — comparative fault; the current modified-comparative-fault amendments apply beginning January 1, 2026.
• Louisiana Direct Action Statute — analyze under the current statutory version and claim-specific circumstances.

Leading Louisiana Decisions

• Duncan v. U.S.A.A. Insurance Co. (La. 2006) — strict requirements for a valid UM rejection or lower-limit selection.
• Watson v. State Farm Fire & Casualty Insurance Co. (La. 1985) — influential fault-allocation factors; decided under Louisiana’s former pure-comparative-fault regime.
• Martin v. Thomas (La. 2022) — application of comparative-fault allocation principles before the 2026 statutory reform.

Louisiana’s comparative-fault law changed materially on January 1, 2026. Use older cases for principles that remain applicable, but separately apply the current statutory recovery threshold and effective-date rules.

Publication review note — September 17, 2026. Confirm subsequent history, statutory amendments, effective dates and current policy language before reliance.