LOUISIANA AUTO INSURANCE GUIDE

Louisiana Crash Damages, Medical Expenses & Collateral Sources

Louisiana’s recoverable past medical-expense rules changed again effective January 1, 2026. R.S. 9:2800.27 governs recoverable past medical expenses, collateral sources and admissible evidence, with different treatment depending on the payer and provider relationship.

  • For covered services paid by a health insurance issuer or Medicare to a contracted provider, review the statute’s limits based on amounts paid and applicable cost sharing rather than simply relying on the gross billed amount.
  • Act 466 of 2025 removed the prior automatic 40% cost-of-procurement addition and changed evidence and recovery rules effective January 1, 2026.
  • Attorney-negotiated medical-provider discounts and unpaid or lien-secured charges receive specific statutory treatment.
  • R.S. 9:2800.27 does not apply to benefits received through automobile liability insurance providing medical-payments coverage.

Primary Louisiana Source

La. R.S. 9:2800.27 — Recoverable Past Medical Expenses

Current-law review: September 16, 2026. The medical-expense rules are date-sensitive and fact-specific; Act 466 applies prospectively from January 1, 2026.