Augment LeadsLouisiana crash claims turn on a handful of state rules. Below: what the 2024 fatality data shows, how Louisiana handles fault and insurance, and what to ask callers. Compare deadlines in the statute of limitations by state table.
Louisiana traffic deaths in 2024
In 2024, 752 people died in Louisiana traffic crashes, a population rate of 16.4 per 100,000 (9th highest among the states and DC) and 1.36 per 100 million vehicle miles.
- Bicyclists: 43 killed, 6% of deaths in Louisiana, compared with 3% for all states combined.
- Of 438 passenger vehicle occupants killed in Louisiana, 236 (54%) were unrestrained; nationally, 43%.
- People on foot: 159 pedestrian deaths, or 21% of the Louisiana total (18% nationally).
- 59% of Louisiana crash deaths (441) came from single-vehicle crashes; the all-state figure is 52%.
Figures come from the Insurance Institute for Highway Safety's state-by-state fatality table (FARS data); the national comparisons add up all 51 rows.
The legal rules behind a Louisiana car accident case
No-fault or at-fault in Louisiana
Louisiana isn't one of the 12 no-fault states listed by the Insurance Information Institute, so injury claims run through the at-fault driver's liability insurance.
Louisiana's "no pay, no play" rule matters at intake. Under La. R.S. 32:866, an owner or operator who didn't maintain compulsory liability security can't recover the first $100,000 of bodily injury or the first $100,000 of property damage, with exceptions such as a drunk-driving conviction of the other driver, an intentional crash or a driver who fled the scene.
Minimum liability coverage
La. R.S. 32:900(B)(2) sets owner's policy liability limits of $15,000 for bodily injury to or death of one person in any one accident, $30,000 for two or more people and $25,000 for property damage.
How shared fault is handled
Louisiana's fault rule changed in 2025. Under La. C.C. art. 2323 as amended by Act 15 of 2025, a claimant 51 percent or more at fault is barred for injuries on or after January 1, 2026; pure comparative fault applied before that date.
Statute of limitations
La. C.C. art. 3493.1 sets two years for delictual actions for injuries on or after July 1, 2024.
This isn't legal advice; check the linked statutes before relying on them.
Screening a Louisiana car accident lead
- Ask for the crash date first. It sets both the filing period (two years for injuries on or after July 1, 2024) and the fault rule (the 51 percent bar applies to injuries on or after January 1, 2026).
- Ask whether the caller had liability insurance on their own vehicle at the time of the crash. Under the no-pay, no-play rule in R.S. 32:866, an uninsured owner or operator loses the first $100,000 of bodily injury recovery, with listed exceptions; passengers who don't own the uninsured vehicle are not affected.
- Write down the exact accident date; with two years under La. C.C. art. 3493.1, flag any crash approaching that limit for an attorney.
- Ask whether the other driver's insurer has been in touch, and note whether the caller carries underinsured coverage; Louisiana requires only $15,000 per person in bodily injury liability.
- Ask whether the caller was on a bicycle. Bicyclists were 6% of Louisiana's 2024 deaths, above the 3% all-state share.
- Ask, without judgment, whether everyone in the vehicle was belted. 54% of occupants killed in Louisiana in 2024 were unrestrained, so record the answer plainly for the attorney.
Buying Louisiana MVA leads from us
Augment Leads is a Canada-based company, founded in 2025, generating 10,000+ leads a month for US injury firms. A Louisiana lead is exclusive to your firm, screened against your filters and replaced if it's unqualified. Details: MVA leads and exclusive vs shared leads.
Spanish-speaking MVA leads are part of our regular product.
Frequently asked questions
What is the statute of limitations for a car accident in Louisiana?
Generally two years, under La. C.C. art. 3493.1. Exceptions apply, so confirm the deadline on every file.
What is Louisiana's no pay, no play rule?
Under La. R.S. 32:866, an owner or operator without compulsory liability security can't recover the first $100,000 of bodily injury or the first $100,000 of property damage after a crash, with exceptions listed in the statute.
How much liability coverage must Louisiana drivers carry?
La. R.S. 32:900(B)(2) sets owner's policy liability limits of $15,000 for bodily injury to or death of one person in any one accident, $30,000 for two or more people and $25,000 for property damage.
How many traffic deaths did Louisiana have in 2024?
IIHS counted 752 crash deaths in Louisiana in 2024, or 16.4 per 100,000 people.
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