← All states
Louisiana: rules and deadlines at a glance
Every 11 topic we track for Louisiana on one page. Open a topic for the details, the law it comes from and how Louisiana compares.
Compare Louisiana with another state →
Car insurance by state · Claim deadlines · Small claims limits · Total loss rules · Dog bite rules · Shared fault rules · Accident reporting rules · Phone-while-driving laws · Motorcycle helmet laws · Uninsured drivers
General information only, not legal, insurance or financial advice. Not affiliated with any government agency. Exceptions can apply; open a topic for the details.
| Personal injury | 2 years (incidents on or after July 1, 2024) |
|---|
| Property damage | 2 years (incidents on or after July 1, 2024) |
|---|
| Minimum liability | $15,000 / $30,000 / $25,000 |
|---|
| Fault system | At-fault (the driver who caused it pays) |
|---|
| Shared-fault rule | Modified comparative: barred at 51% fault or more |
|---|
| Acknowledge | 14 days to start adjusting (30 days for catastrophic losses) |
|---|
| Accept or deny | Written offer within 30 days of proof of loss |
|---|
| Pay | 30 days (60 residential / 90 commercial for catastrophic losses) |
|---|
| Dollar limit | $5,000 |
|---|
| Filing fee | $35 per defendant (city court); varies (justice of the peace) |
|---|
| Lawyers | Not required |
|---|
| Total loss rule | 75% of actual cash value |
|---|
| Rule | Strict liability |
|---|
| Details | Strict liability |
|---|
| Rule | Modified comparative negligence (51% bar) |
|---|
| When you are barred | Barred if you are 51% or more at fault |
|---|
| Report required if | Death, injury, or over $500 damage |
|---|
| Deadline | Immediately |
|---|
| Handheld ban | Yes, all drivers (primary only in school and work zones) |
|---|
| Texting ban | Yes (primary only in school and work zones) |
|---|
| Law type | Universal |
|---|
| Who must wear one | All riders (universal law) |
|---|
| Drivers uninsured | 11.7% |
|---|
| UM/UIM coverage | Not required (insurers must offer it) |
|---|