Louisiana Total Loss & Diminished Value Guide | Auto Claim Consultants
LAState Resource Guide

Louisiana Diminished Value &
Total Loss Claims

Everything you need to know about filing a diminished value or total loss claim in Louisiana. Understand your rights, the process, and how we can help you recover what you're owed.

Louisiana at a Glance

Statute of Limitations
2 years from date of accident
DV Claim Type
Third-party (at-fault's insurance)
Legal Basis
Civil Code Art. 2315 — delictual liability
Total Loss Threshold
75% of ACV
Right to Appraisal
Yes — policy appraisal clause
Small Claims Limit
$5,000

Louisiana Auto Claims Law

Louisiana recognizes diminished value claims under its Civil Code Article 2315, which governs delictual (tort) liability. As a civil law state, Louisiana's framework differs from common law states but still provides strong protections for recovering diminished value from the at-fault party's insurer.

Important Deadline

You have 2 years from the date of your accident to file a claim in Louisiana. Don't wait — the sooner you act, the stronger your case.

How It Works in Louisiana

Four Steps to Fair Compensation

1

Gather Your Documents

Collect your insurance settlement offer, repair estimates, vehicle photos, and accident report. We'll need these to build your case.

2

Contact Us for a Free Review

Call, text, or fill out our form. We'll review your situation within 24 hours and let you know if you have a viable claim.

3

We Build Your Case

Our licensed appraiser creates a certified report using Louisiana-specific comparable sales data and market analysis.

4

We Handle the Dispute

We submit the appraisal report to your insurance company and negotiate on your behalf until you receive fair compensation.

Proven Results

Recent Louisiana Recoveries

Total LossNew Orleans, LA

2020 Toyota Tacoma TRD

vs. GEICO

Additional Recovery+$5,200
Diminished ValueBaton Rouge, LA

2021 Toyota Camry SE

vs. Allstate

Additional Recovery+$4,600
Total LossShreveport, LA

2021 Toyota RAV4 XLE

vs. USAA

Additional Recovery+$5,700
Total LossLafayette, LA

2021 Subaru Outback Premium

vs. Farmers

Additional Recovery+$6,800
Louisiana FAQ

Frequently Asked Questions

Louisiana Vehicle Owner?
Let's Get You What You're Owed.

We know Louisiana insurance law and have helped dozens of Louisiana residents recover fair compensation. Start with a free claim review today.