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LouisianaHB 1482025 Regular SessionHouseWALLET

INSURANCE: Requires insurers to provide prior premium amounts with renewals of certain insurance policies and repeals the distinction between competitive and noncompetitive markets with respect to the regulation of insurance rates

Sponsored By: Jeffrey "Jeff" Wiley (Republican)

Signed by Governor

Insurance

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Bill Overview

Analyzed Economic Effects

3 provisions identified: 2 benefits, 0 costs, 1 mixed.

Insurance Rate Reviews Can Change Premiums

Louisiana applies the same insurance rate standards in competitive and noncompetitive markets covered by its rate-regulation rules. The commissioner must reject rates found excessive, too low, or unfairly discriminatory. A rate or its expense allowance is excessive when unreasonably high compared with the coverage or services provided. The commissioner can order refunds for excessive or discriminatory charges, or require additional premiums when rates are too low. Rate calculations can use actuarial standards and other relevant factors; risk classifications cannot use race, color, creed, or national origin.

Clearer Home and Auto Insurance Renewals

Louisiana home and private passenger auto insurers must prominently show the previous policy’s premium near the renewal premium. This comparison rule excludes excess and surplus lines policies. Insurers must also disclose all available insurer-defined premium discounts when coverage starts and at every renewal. Discount notices must be written in at least 12-point type; electronic delivery is allowed. Failure to disclose discounts does not give policyholders a private right to sue.

Public Gets Access to Insurance Filings

Insurance rate filings and supporting materials become public after the required notice period ends or when a filing is disapproved. The commissioner decides which confidential, trade-secret, or proprietary materials remain private. Before releasing materials marked as protected, the commissioner must notify the insurer or filer of the request and decision. The filer has 10 days after receiving notice to request an administrative hearing, which pauses the disclosure decision. Courts can review protected documents privately where applicable.

Sponsors & Cosponsors

Sponsor

  • Jeffrey "Jeff" Wiley

    Republican • House

Cosponsors

  • Chad Brown

    Affiliation unavailable

Roll Call Votes

All Roll Calls

Yes: 185 • No: 61

House vote • 5/27/2025

Read by title, roll called, yeas 76, nays 18, Senate amendments concurred in.

Yes: 76 • No: 18

Senate vote • 5/21/2025

Rules suspended. Senate floor amendments read and adopted. Read by title, passed by a vote of 26 yeas and 9 nays, and ordered returned to the House. Motion to reconsider tabled.

Yes: 26 • No: 9

House vote • 4/30/2025

Read third time by title, amended, roll called on final passage, yeas 68, nays 34. Finally passed, title adopted, ordered to the Senate.

Yes: 68 • No: 34

House vote • 4/23/2025

Reported favorably

Yes: 15 • No: 0

Actions Timeline

  1. Signed by the President of the Senate.

    5/28/2025Senate

  2. Sent to the Governor for executive approval.

    5/28/2025House

  3. Signed by the Governor. Becomes Act No. 11.

    5/28/2025House

  4. Effective date: 08/01/2025.

    5/28/2025House

  5. Read by title, roll called, yeas 76, nays 18, Senate amendments concurred in.

    5/27/2025House

  6. Enrolled and signed by the Speaker of the House.

    5/27/2025House

  7. Received from the Senate with amendments.

    5/22/2025House

  8. Scheduled for concurrence on 05/27/2025.

    5/22/2025House

  9. Rules suspended. Senate floor amendments read and adopted. Read by title, passed by a vote of 26 yeas and 9 nays, and ordered returned to the House. Motion to reconsider tabled.

    5/21/2025Senate

  10. Reported without Legislative Bureau amendments. Read by title and passed to third reading and final passage.

    5/20/2025Senate

  11. Read by title and referred to the Legislative Bureau.

    5/19/2025Senate

  12. Reported favorably.

    5/14/2025Senate

  13. Called from the Calendar.

    5/8/2025Senate

  14. Read second time by title and referred to the Committee on Insurance.

    5/8/2025Senate

  15. Read by title and returned to the Calendar, subject to call.

    5/6/2025Senate

  16. Received in the Senate. Read first time by title and placed on the Calendar for a second reading.

    5/5/2025Senate

  17. Called from the calendar.

    4/30/2025House

  18. Read by title, returned to the calendar.

    4/30/2025House

  19. Called from the calendar.

    4/30/2025House

  20. Read third time by title, amended, roll called on final passage, yeas 68, nays 34. Finally passed, title adopted, ordered to the Senate.

    4/30/2025House

  21. Read by title, returned to the calendar.

    4/29/2025House

  22. Notice given.

    4/29/2025House

  23. Scheduled for floor debate on 04/30/2025.

    4/29/2025House

  24. Scheduled for floor debate on 04/29/2025.

    4/28/2025House

  25. Read by title, ordered engrossed, passed to 3rd reading.

    4/24/2025House

Bill Text

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