Is Louisiana a no-fault state?

No. Louisiana is an at-fault state. The person whose fault caused the damage must repair it.

Last checked November 9, 2026 · Official sources (3)

Hurt in a crash in Louisiana? Find out if you are owed money.

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How does Louisiana car insurance work?

“Every act whatever of man that causes damage to another obliges him by whose fault it happened to repair it.”
Louisiana State Legislature

If you are 51% or more at fault, you cannot recover damages.

Example: with $10,000 in losses and 20% of the fault, you could recover up to $8,000. Above 50%, you would get nothing.

How much insurance does Louisiana require?

Each vehicle needs at least 15/30/25: $15,000 per person and $30,000 per crash for injuries, and $25,000 for property damage.

What if you were partly at fault in Louisiana?

Since January 1, 2026, if you are 51% or more at fault you get nothing; under 51%, your money is cut by your share of fault.

Hurt in a crash in Louisiana? Find out if you are owed money.

A free case review. $0 upfront. No fee unless you win.

Louisiana State Legislature, checked 2026-11-09. “Every act whatever of man that causes damage to another obliges him by whose fault it happened to repair it.”
Louisiana Department of Insurance, checked 2026-11-09. “In Louisiana, each vehicle is required to have 15/30/25 liability limits.”
Louisiana State Legislature, checked 2026-11-09. “If the degree or percentage of negligence attributable to the person suffering injury, death, or loss is equal to or greater than fifty-one percent, then the person suffering injury, death, or loss shall not be entitled to recover damages.”