Two cutovers in 18 months

Partly at Fault in Louisiana After Act 15 of 2025

Louisiana left the pure-comparative cluster on January 1, 2026 under Act 15 of 2025. Combined with the 2024 SOL extension (Act 423), Louisiana changed the two most consequential rules for partly-at-fault claimants in an 18-month window.

7 min read
Updated 2026-05-23
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Louisiana · partly at fault

Key facts

Last updated

Current rule (post-cutover)
51% bar
Fault cutover date
January 1, 2026
Authority
La. Civ. Code art. 2323, as amended by Act 15 of 2025 (HB 431)
Pre-cutover rule
Pure comparative (no cap)
Statute of limitations
2 yrs (accidents on/after July 1, 2024); 1 yr earlier
Most favorable window
July 1, 2024 — Dec 31, 2025

Three accident-date windows

Louisiana’s rule landscape now has three distinct windows defined by accident date. Which rules apply to a partly-at-fault claimant depends on when the accident occurred, not when suit is filed.

Window 1

Before July 1, 2024

Statute of limitations

1-year SOL

Comparative-fault rule

Pure comparative

$100K case, 60% at fault → $40,000 recovery. But you must file within 1 year of the accident.

Window 2 (most favorable)

July 1, 2024 — December 31, 2025

Statute of limitations

2-year SOL

Comparative-fault rule

Pure comparative

$100K case, 60% at fault → $40,000 recovery. You have 2 years to file. The most claimant-friendly combination in Louisiana history.

Window 3 (current)

January 1, 2026 onward

Statute of limitations

2-year SOL

Comparative-fault rule

51% bar

$100K case, 60% at fault → $0 recovery (barred). At 50% or below: $50K recovery (reduced).

How the cutover changes a typical disputed-fault case

Consider a Louisiana claimant with $100,000 in damages who is found 60% at fault.

Pre-cutover (pure comparative)

$40,000

Recovery reduced by your 60% share. Pure comparative allows recovery at any fault percentage.

Post-cutover (51% bar)

$0

Barred entirely because fault exceeds 50%. The new 51% bar eliminates the entire case.

The change is at its most dramatic in the 51%-60% fault range, where pure comparative still produced meaningful recovery and the 51% bar produces nothing. Below 50% fault, the dollar outcome is the same under both rules.

Why both Louisiana changes happened so close together

The 2024 SOL extension was driven by claimant advocates who argued Louisiana’s one-year deadline was harshly out of step with the rest of the country. The 2026 fault change was driven by tort-reform advocates who argued pure comparative was equally out of step in the other direction. Together they bring Louisiana closer to the national norm on both rules.

The 18-month window (July 1, 2024 — December 31, 2025) is the most claimant-friendly combination Louisiana has ever offered: 2-year deadline to file plus full recovery at any percentage of fault. Cases that accrued in this window remain on the favorable combination even when filed in 2027 or later.

Related Louisiana resources

Other Louisiana-specific pages that complement this guide.

Informational only and not legal advice. Choice-of-law and choice-of-rule analyses can be intricate for cases that straddle either cutover. Confirm the controlling rules with a licensed Louisiana attorney.

See what your Louisiana claim could be worth.

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FAQ: Partly at Fault in Louisiana

Common claimant questions about the cutover and the favorable window.

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

Yes, as long as your fault is 50% or less. Effective January 1, 2026 under Act 15 of 2025 (HB 431), Louisiana applies a 51% bar: a claimant whose fault exceeds 50% is barred from recovery entirely. For accidents that occurred before January 1, 2026, the older pure-comparative rule applies, and you can recover at any percentage of fault with damages reduced proportionally.

What changed under Act 15 of 2025?

Act 15 of 2025 (House Bill 431) amended La. Civ. Code art. 2323 to switch Louisiana from pure comparative fault to a modified comparative regime with a 51% bar. Louisiana had been one of the most claimant-friendly states in the country for decades under pure comparative; the new rule brings it in line with the majority of US jurisdictions. The new rule applies only to accidents occurring on or after January 1, 2026.

And the 2024 statute-of-limitations change?

Yes, separate but related. Act 423 of 2024 (House Bill 315) extended Louisiana's personal injury prescriptive period from one year to two years effective July 1, 2024, codified at La. Civ. Code art. 3493.1. Louisiana had been the only state with a one-year deadline for general personal injury for nearly 200 years. The two-year period applies only to injuries on or after July 1, 2024; pre-cutover injuries remain on the one-year deadline.

My accident was in late 2025. Which rules apply?

For an accident in late 2025, the older pure-comparative rule on fault applies (you can recover at any percentage), and the newer two-year statute of limitations applies (you have two years from the date of injury to file, because the accident accrued after July 1, 2024). This is the most favorable combination for partly-at-fault Louisiana claimants and exists only for the 18-month window between July 1, 2024 and December 31, 2025.

How will the new 51% bar affect settlement negotiations?

For accidents on or after January 1, 2026, Louisiana insurance adjusters now have a hard lever to argue for zero recovery if they can push the claimant's fault percentage just over 50%. This is a major shift from pure comparative, where the adjuster could only push for percentage reductions, not elimination. Expect adjusters to emphasize contributing factors aggressively in any disputed-liability case and to push for early recorded statements.

Why did Louisiana change both rules so quickly?

The 2024 SOL extension was driven by claimant advocates who argued Louisiana's one-year deadline was harshly out of step with the rest of the country. The 2026 fault change was driven by tort-reform advocates who argued pure comparative was equally out of step in the other direction. The net result is that Louisiana is now more aligned with the national norm on both rules, but the cumulative effect on individual cases can be significant depending on when the accident occurred.

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