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Louisiana · State Law Library Hub
Louisiana Auto Insurance & Crash Law Library
A public legal education and research library for Louisiana auto insurance, UM/UIM, the 2026 modified comparative-fault system, direct action, damages and settlement.
Louisiana State Law Library
Numbered guides by legal category
Start with Guide 01 if you are new to the library. Browse all 22 issue guides by legal category. Legal-currentness and source-integrity review remain pending; use current official authority and the actual policy before relying on a summary.
Getting Started in Louisiana
State-specific working guide: how to use the library, build the claim map, and decide what to do first.
Coverage & Insured Status
Required insurance, every policy, insured status, UM/UIM, stacking and policy interpretation.
Insurer Duties & Claims Conduct
Disclosure, direct action, claims handling, agents, defense and failure to settle.
Vehicle & Use Questions
Borrowed and rental vehicles, work use, rideshare and public-entity vehicles.
Liability & Proof
Comparative fault, accident dates, evidence preservation and prescription.
Damages & Resolution
Damages, wrongful death, medical-provider privileges, reimbursement and settlement.
Case Authority
Louisiana statutes and appellate authority organized by issue.
Guide 01 · Louisiana Citizen’s Guide
How to use this library before making a final claim decision
Build the claim map first and record the accident date, policy dates and important claim communications. Keep liability, UM/UIM, direct-action procedure and medical reimbursement questions distinct. A current statute and an earlier accident may require different legal analysis.
Identify the drivers, owners, injured people, possible employers and other responsible parties. Read Guide 17 for date-sensitive fault questions and Guide 08 for disclosure and direct-action issues. Use Guide 16 when a public entity may be involved.
Start with Guide 03, then read Guide 05 and Guide 06. Gather declarations, endorsements, policy dates and rejection, lower-limit or economic-only election documents before deciding how coverage applies.
Use Guide 18 for reports, photographs, witnesses, video, vehicle data and prescription questions. Keep a separate deadline calendar, medical chronology and dated insurer correspondence. Do not assume settlement discussions resolve the deadline question.
Read Guide 21, Guide 22, the case-authority library and official sources. Identify provider privileges, reimbursement interests, remaining coverage and released parties before a final decision.
Louisiana Published-Law Snapshot
Issues identified in the existing Louisiana library
15 / 30 / 25 liability
Louisiana’s ordinary minimum liability limits remain 15/30 bodily injury and $25,000 property damage.
51% modified comparative fault
For claims governed by the January 1, 2026 amendment, claimant fault of 51% or more bars recovery.
UM/UIM elections
Preserve rejection, lower-limit or economic-only election documents.
Direct action
Louisiana direct-action rights and procedural limits require state-specific analysis.
Prescription
Identify the applicable claim period immediately.
Louisiana DOI
The Department regulates insurers, forms, complaints and market conduct.
Currentness status: the snapshot retains previously published Louisiana content. Legal Currentness and Source Integrity remain pending in the Registry; a layout-update date is not a new legal-review date.
Primary Research
Official Louisiana research sources
VictimsGuide is the navigation layer. Current primary authority, the actual insurance contract and the verified factual record control.
Louisiana Legislature
Open statutes →Louisiana Department of Insurance
Open regulator →Louisiana Supreme Court
Open courts →For the comparative-fault rule, read Civil Code article 2323 alongside Guide 17. The official text identifies the amendment effective January 1, 2026; determine the law applicable to the particular accident rather than treating the date of this webpage as controlling.
How this library stays current
Build the complete Louisiana coverage and claim map
Identify the accident date and applicable comparative-fault rule, every policy and insured, UM/UIM election, direct-action and prescription issues, evidence, damages, insurer conduct, medical-payment/reimbursement interests and release consequences.
Identify the applicable dates before treating a claim as complete.
Find the policies, preserve the evidence, verify the governing rules and deadlines, and review damages, reimbursement and release consequences before making a final claim decision.