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Louisiana Car Accident Settlement Calculator

Rules cited to Louisiana’s statutes and case lawRules checked How we calculate

Fault rule51% barYou recover if you are 50% or less at fault. The award is cut by your share.La. Civ. Code art. 2323
Filing deadline2 yearsFrom the crash date, for injury claims.La. Civ. Code art. 3493.1
Minimum insurance15/30/25Per person, per crash, property. Louisiana is an at-fault state.
Damage capsNone on injury damagesPunitive and malpractice damages can be capped separately.

Your numbers

Example figures shown. Replace them with yours.
How serious is the injury?

Fracture or months of treatment, with some lasting effect.

10%
Does the injury meet the no-fault threshold to sue?
Attorney fee for the take-home figure
Your estimateLouisiana · Car accident
Your estimate…
The math
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This calculator estimates what a car accident injury claim could be worth under Louisiana law. It applies Louisiana’s 51% bar rule, the two-year deadline to file suit and the insurance that usually pays, then shows the math line by line, including what you might take home after a lawyer’s fee.

Move the fault slider to 51% and the estimate drops to $0, which is what Louisiana’s rule does in court.

Louisiana rules behind this estimate

Fault. Louisiana uses modified comparative fault with a 51% bar. If you are found 20% at fault, your award drops by 20%. At 51% or more, you recover nothing. Insurers know this, so expect them to argue your share up. Louisiana moved from pure comparative fault to a 51% bar for injuries on or after January 1, 2026. Earlier injuries keep the old rule.

Deadline. You have two years from the crash to file a lawsuit in Louisiana. Two years for injuries on or after July 1, 2024. Earlier injuries had one year. A claim against a city, county or state agency usually needs written notice much sooner, sometimes within months. Missing the deadline almost always ends the claim, and with it your leverage to settle.

Insurance. Louisiana is an at-fault state, so the at-fault driver’s liability insurance pays your claim. Drivers must carry at least $15,000 per injured person, $30,000 per crash and $25,000 for property damage, written 15/30/25.

Damage caps. No cap on injury damages. Medical malpractice and punitive damages can have separate limits.

Louisiana car accident questions

What if the other driver only has the Louisiana minimum?

Their insurer will usually pay no more than $15,000 for your injuries. Your own underinsured motorist (UIM) coverage can pay the difference up to your limit. Enter both above to see the ceiling.

Can I still claim if I was partly at fault in Louisiana?

Yes, as long as you were 50% or less at fault. Your award is reduced by your percentage, and at 51% or more you recover nothing.

How long do I have to file a car accident claim in Louisiana?

two years from the crash to file a lawsuit. Report the claim to the insurers within days.

Is Louisiana a no-fault state?

No. Louisiana is an at-fault state, so you claim against the at-fault driver’s liability insurance, or your own coverage if theirs is too low.

Does Louisiana cap pain and suffering damages?

Not in most injury cases. No cap on injury damages. Medical malpractice and punitive damages can have separate limits.