Understanding When Louisiana Laws Apply: A Guide to Prospective and Retroactive Effects
Imagine you’re involved in a legal matter, and the legislature passes a new law. Does it affect your situation? Or does it only apply moving forward?
The timing of when a law takes effect — and whether it applies to past events — can drastically impact legal outcomes. In Louisiana, this concept is governed by Civil Code Article 6, which establishes when laws apply prospectively (looking forward) or retroactively (looking backward).
Insurance Dispute Lawyer Blog


The Unforeseen Gaps: Why Laws Can’t Cover Everything
Have you ever read a law and wondered what it truly means? Or found yourself facing a situation where a rule seemed to apply — but its exact implications were unclear?
The Building Blocks of Justice: How Louisiana Laws Are Made
When the Smitty’s Supply facility erupted in flames on August 22, 2025, residents within a one-mile radius were ordered to evacuate. Families were forced from their homes, many for several days, unsure of when it would be safe to return. In the aftermath, thick soot, oily residue, and chemical contamination settled on homes, vehicles, and property—leaving long-term damage and raising serious questions about insurance coverage.
The
A tragic accident involving a young boy with autism has raised questions about the legal responsibility of homeowners when someone is injured on their property. The case of
In the realm of insurance claims and legal disputes, the concept of subrogation often plays a crucial role. Subrogation allows an insurer, after paying a claim to its insured, to step into the insured’s shoes and seek reimbursement from the party responsible for the loss. But what happens when the insured settles their claim directly with the at-fault party? Does the insurer lose its right to subrogation? A recent Louisiana Court of Appeals case,