Short answer: Covington is where St. Tammany injury lawsuits are filed and tried, which means the new 51% fault bar lands here before it lands anywhere else in the parish. If you were hurt in Covington, Kervin Law LLC offers a free case review with no obligation and works on contingency — no fee unless we win. Call (985) 888-0640.
This guide covers where crashes actually happen in Covington, the four Louisiana law changes that now shape these claims, and what to do in the first two weeks. It is general information about Louisiana law, not legal advice for your situation.
Where crashes happen in Covington
Covington is where St. Tammany injury lawsuits are filed and tried, which means the new 51% fault bar lands here before it lands anywhere else in the parish.
The I-12 and US-190 interchange
Volume peaks here at both commutes, and the merge geometry produces the sideswipe and lane-change crashes where fault is genuinely split. Those are exactly the cases the 51% rule can now decide outright.
The LA-21 corridor
School-zone traffic, turning movements into strip retail, and a speed differential between through traffic and turning traffic. Rear-end and left-turn collisions dominate.
N Highway 190 retail strip
Constant curb cuts and parking-lot entries. Low-speed impacts that still produce real cervical and lumbar injuries, and that insurers routinely dismiss on the basis of vehicle damage photos.
Claiborne Hill and Holiday Boulevard
Heavy weekend congestion around the shopping district, with pedestrian conflicts in the parking areas.
Why filing in Covington matters
Nearly every St. Tammany Parish injury suit is filed at the 22nd JDC courthouse on North Columbia Street. That has practical consequences: the local rules, the scheduling practice, and the jury pool are all Covington-specific. Under the old pure comparative fault rule, a jury that assigned a plaintiff 55% of the blame still returned 45% of the damages. From January 1, 2026 forward, that same verdict returns nothing. Jurors now have to be instructed on that consequence, which changes how fault gets argued in this courthouse.
Four Louisiana law changes that affect a Covington claim
Louisiana rewrote a significant amount of injury law between 2024 and 2026. If you are working from older advice — or an older law firm website — some of it is now wrong.
1. The 51% fault bar
Louisiana used pure comparative fault for decades. A plaintiff 90% at fault still recovered 10%. Act 15 of 2025 amended Civil Code article 2323 effective January 1, 2026. For causes of action arising on or after that date, a person found 51% or more at fault recovers nothing. Below 51%, damages are reduced in proportion to fault. Where a jury decides fault, it must now be instructed on that consequence. Full breakdown of the 51% rule here.
2. Direct action against the insurer is largely gone
Louisiana was known for letting an injured person name the at-fault driver’s liability insurer as a defendant. Act 275 of 2024 removed that general right effective August 1, 2024. La. R.S. 22:1269 still exists, but direct action is now the exception — available for insolvency, bankruptcy, inability to serve the insured, the insured’s death, claims against a family member, uninsured motorist claims, or a coverage denial or reservation of rights.
3. Seat belt non-use is no longer shielded
La. R.S. 32:295.1(E) used to bar evidence that an injured person was not wearing a seat belt. That subsection was repealed effective January 1, 2021. The statutory shield is gone, and the defense will raise it.
4. “No Pay, No Play” now reaches $100,000
La. R.S. 32:866 limits what an uninsured driver can recover even when someone else caused the crash. The thresholds were $15,000 for bodily injury and $25,000 for property damage. Effective August 1, 2025, both rose to $100,000. If you were uninsured, raise it at the first meeting.
What to do in the first two weeks
- Get evaluated, even if you feel fine. Adrenaline masks injury, and soft-tissue and concussion symptoms often surface 24 to 72 hours later. In Covington, that usually means St. Tammany Health System, 1202 S Tyler St. A gap between the crash and your first visit is the first thing an adjuster will use.
- Confirm which agency responded and get the item number. Depending on where in Covington the crash occurred, that may be the local police department, the St. Tammany Parish Sheriff’s Office, or Louisiana State Police.
- Photograph everything before it is cleared. Vehicle positions, damage, skid marks, debris, roadway conditions, traffic controls, and your visible injuries.
- Identify cameras nearby. Business, doorbell and traffic camera footage is frequently overwritten within 7 to 30 days.
- Do not give the other insurer a recorded statement. You are not required to. Those calls are built to lock in quotes about fault before anyone knows the extent of an injury. You do have a duty to cooperate with your own carrier.
- Get the claim reviewed before the deadline runs. The evidence that proves liability has a far shorter shelf life than the filing deadline does.
Where a Covington case is heard
Claims arising in Covington are filed in the 22nd Judicial District Court (701 N Columbia St, Covington). Most cases settle without a trial, but the court a case would be filed in still shapes it — local rules, scheduling practice and the jury pool all factor into what an insurer is willing to pay. Both St. Tammany and Tangipahoa Parish fall within the Eastern District of Louisiana for federal purposes.
Frequently asked questions
How long do I have to file after a crash in Covington?
For injuries occurring on or after July 1, 2024, Louisiana generally allows two years to file a personal injury claim under Civil Code article 3493.1. Injuries before that date are usually subject to the older one-year period. Wrongful death claims run separately, generally one year from the date of death. Because the applicable deadline turns on your specific dates, confirm it with an attorney rather than assuming.
Does the 51% rule apply to my Covington crash?
It applies to causes of action arising on or after January 1, 2026. If your crash happened on or after that date and you are found 51% or more at fault, you recover nothing. Below 51%, your damages are reduced by your percentage of fault. Crashes before January 1, 2026 remain under the older pure comparative fault rule.
Can I still sue the other driver's insurance company directly?
Usually not. Act 275 of 2024 removed Louisiana’s general direct action right effective August 1, 2024. La. R.S. 22:1269 survives, but only for defined situations: the insured’s insolvency or bankruptcy, inability to serve the insured, the insured’s death, a claim against a family member, an uninsured motorist claim, or where the insurer denies coverage or reserves its rights.
What does it cost to hire a lawyer for a Covington case?
Kervin Law LLC works on contingency. No retainer, no hourly billing, no upfront cost. The fee comes out of the recovery, and if there is no recovery there is no fee. The initial case review is free.
Talk to a Covington injury attorney
Kervin Law LLC is a plaintiff-only personal injury firm based in Folsom, led by David D. Kervin, Jr.. We represent people in Covington and throughout St. Tammany Parish. Free consultation, no upfront cost, no fee unless we win.
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Reviewed by David Kervin, attorney licensed in Louisiana · Last updated