Louisiana Insurance & Injury Claims: What You Need to Know
Here is a brief update on what’s new for Louisiana Insurance and Injury Claims.
Remember if you have questions about a claim, contact us!
1) 51% Fault Rule (starts Jan 1, 2026)
If you’re found 51%+ at fault, you recover $0 for injuries. Current cases aren’t affected.
Tip: After a crash, don’t guess fault—document (photos/video/witnesses) and talk to us first.
2) “No Pay, No Play” got tougher (crashes on/after Aug 1, 2025)
If you were uninsured, Louisiana law now takes a bigger bite out of what you can recover—even if you weren’t at fault.
Tip: Stay insured and ask your agent to apply all discounts (bundle, safe-driver, telematics, roof/mitigation, etc.).
3) Causation proof matters more (incidents after May 28, 2025)
The old presumption that “new symptoms + quick treatment = crash caused it” is gone.
Tip: See a doctor within 24–48 hours, follow the plan, and ask your provider to note “related to [date of crash]” when appropriate.
4) Homeowners: Fortified roof credits
Upgraded to a FORTIFIED roof? Your IBHS certificate can qualify you for credits.
Tip: Keep your certificate handy and call your agent to apply it.
5) Small business/commercial vehicles
Dashcams/telematics may earn discounts (rolling in by 2026).
Tip: If you drive for work or manage a small fleet, plan installs and incident documentation now!
One more update worth knowing, no matter when your accident happened: Louisiana now gives most injury victims two years to file a claim, up from the old one-year deadline. How long do I have to file an injury claim in Louisiana?
Bono Law Firm — We represent people, not insurance companies.
Injured in an accident? You don't have to face the insurance company alone.
Since 1980, Bono Law Firm has helped injured people across Metairie, New Orleans, and all of Louisiana. When you call, you talk directly with an attorney — John or Michael Bono — never a case manager. The consultation is free, and you pay nothing unless we recover for you.
Call (504) 835-9909 for a free consultation.
Free Consultation · No Fee Unless We Recover · Se Habla Español
