Yes. The one thing the other side is hoping you never find out is that, in Louisiana, two insurers pointing fingers at each other does not stop your claim. The legal rule is simple: each at-fault person or company can be made to pay their share of fault, and Louisiana follows pure comparative fault. That means the fight between insurers is their problem, not a reason to leave your prenatal care, ER bills, or fetal monitoring unpaid.

Here is how that plays out in real life.

Say you are pregnant and get hit near Youree Drive during spring riding season, when visibility conflicts with motorcycles, bicycles, and turning vehicles are common. A delivery van makes a bad left turn, and a property owner's overgrown hedge blocks sight lines at the corner. The van insurer blames the property insurer. The property insurer blames the driver. Meanwhile, you are at Ochsner LSU Health Shreveport or Willis-Knighton getting checked for contractions, placental issues, or reduced fetal movement.

You can still pursue both claims at once.

If a court or settlement assigns the van 70% fault and the property owner 30% fault, each pays that portion of your damages. Your damages can include ambulance, ER care, OB visits, ultrasounds, fetal monitoring, lost wages, and pain and suffering.

Watch the clock. For most Louisiana injury claims arising on or after July 1, 2024, the filing deadline is generally 2 years from the accident date. But evidence can disappear much faster, especially camera footage from nearby businesses, crash data, and scene conditions after storms or hurricane-season cleanup.

Also, if your health insurer, Medicaid, or an employer plan paid your medical bills, they may assert subrogation and demand repayment from any settlement. That reimbursement fight is separate from whether you can recover in the first place.