Louisiana Insurance Bad Faith Claim Calculator
Calculate the potential value of an insurance bad faith claim. Our calculator accounts for your underlying claim amount, punitive damages eligibility, and your state's specific bad faith insurance laws under Louisiana's specific laws.
What's My Louisiana Case Worth?Quick & easy · Takes 2 minutes · 100% free
Louisiana's insurance code sets 2 years for claims for penalties and attorney fees against an insurer that fails to pay or offer to settle within the time limits of Louisiana Revised Statutes 22:1892 (22:1892(B)(7)), and for the same claims over catastrophic losses (22:1892.2(B)(2)). It states no period for other claims under the insurer's duty of good faith (22:1892(I)), so a licensed attorney should confirm the deadline for your claim. The former bad-faith statute, 22:1973, was repealed effective July 1, 2024. What your case is worth depends on your specific damages and Louisiana's laws. Use the calculator below for a free estimate of your low-to-high range.
Key Louisiana Laws
| Filing Deadline | Not confirmed 2 years for penalty and fee claims; other claims not confirmed |
|---|---|
| Negligence System | Pure Comparative Fault |
How Louisiana Law Affects Your Insurance Bad Faith Case
Insurance bad faith in Louisiana occurs when an insurer unreasonably denies, delays, or underpays a valid claim — for example denying without a proper investigation, misrepresenting policy terms, or lowballing a clear claim. Both first-party bad faith (against your own insurer) and third-party bad faith (over the handling of a claim against you) can be actionable.
What makes bad faith valuable is that damages can far exceed the original claim: you may recover the amount owed under the policy, consequential and emotional-distress damages, and — where the insurer's conduct was egregious — punitive damages that in some cases reach several multiples of the contract value. Document every communication, denial letter, and delay in Louisiana.
No single bad-faith deadline is set by Louisiana statute. Claims for penalties and attorney fees against an insurer that fails to pay or offer to settle within the time limits of Louisiana Revised Statutes 22:1892 carry 2 years (22:1892(B)(7)), as do the same claims over catastrophic losses (22:1892.2(B)(2)). The statute states no period for other claims under the insurer's duty of good faith and fair dealing (22:1892(I)), and the former bad-faith statute, 22:1973, was repealed effective July 1, 2024. Section 22:1892 does not apply to claims under life or health and accident insurance policies (22:1892(K)). A licensed attorney can confirm the deadline for your claim.
Louisiana Insurance Bad Faith FAQs
Related Louisiana Calculators
Had Your Accident in a Different State?
Which state's law applies depends on where the incident occurred, not where you live. Compare neighboring states:
Related Guides
Deeper reading on how insurance bad faith claims like yours are valued.
Legal Disclaimer
This calculator uses Louisiana's statutes as of 2026-09-22. Laws change frequently. This tool provides estimates for informational purposes only and does not constitute legal advice. Verify current rules with a Louisiana-licensed attorney before making decisions about your case. Learn about our methodology.
Get Your Louisiana Case Estimate — Free
Answer a few questions about your situation. Our calculator applies Louisiana's specific laws and real case data to estimate your settlement value instantly.
What's My Louisiana Case Worth?