Fault & Liability in Car Accidents in LA

Louisiana is a fault-based state, and several key rules changed for 2025 and 2026. Here's what applies now: the 51% comparative fault bar, the two-year filing deadline, insurance minimums, and the damages you can recover after a crash.

On January 1, 2026, Louisiana replaced pure comparative fault with a 51% bar: if 51% or more of the blame is yours, you recover nothing. Here's how fault and deadlines now work in the state.