All Roll Calls
Yes: 181 • No: 66
LouisianaHB 4372025 Regular SessionHouseWALLET
INSURANCE CLAIMS: Provides settlement practices for claims relative to property and rentals of motor vehicles
Sponsored By: Michael "Gabe" Firment (Republican)
Became Law
Insurance
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Bill Overview
Analyzed Economic Effects
5 provisions identified: 3 benefits, 1 costs, 1 mixed.
Drivers can establish higher totaled-car values
These valuation rules cover totaled vehicles claimed under your own policy when it allows cash payment or comparable-vehicle replacement. When the insurer chooses cash based on buying a comparable vehicle, valuation uses a generally recognized used-vehicle industry source. Sources include electronic databases and public guidebooks available to claimants. If two independent appraisals establish a higher local market value, the insurer must use that value. The appraisals must account for factors such as the vehicle's condition before the loss.
Rental coverage deadlines protect insured drivers
If your policy entitles you to a rental vehicle, your insurer must provide it within three business days of your written request. A reasonable penalty applies when the failure is arbitrary, capricious, or without probable cause. The penalty can be up to 50% of reasonable expenses or $2,500, whichever is greater. Expenses include rental charges or compensation for lost use during the period rental coverage was not approved. The rule does not apply during a coverage investigation under a Reservation of Rights.
Transportation payments when vehicle claims stall
This rule covers claims against another party's insurer for damage to your personal vehicle. If insurer inaction directly leaves you without the vehicle for more than five business days, the responsible insurer must pay reasonable alternative transportation costs. Payment covers the entire loss-of-use period, to the extent the insurer is legally responsible. A penalty applies only when nonpayment continues 30 days after adequate written proof and demand and is arbitrary, capricious, or without probable cause. The reasonable penalty can be up to 10% of expenses or $2,500, whichever is greater, plus reasonable attorney fees.
Deductible proof can delay replacement payments
For property policies with replacement-cost coverage, insurers may withhold recoverable depreciation—the replacement-cost holdback—until they receive reasonable proof of deductible payment. Proof can include a canceled check, money-order receipt, or credit-card statement. A signed installment or financing agreement requiring full deductible payment over time also counts. This rule does not apply to surety bonds.
Claim forms gain deadlines and requirements
Insurers requiring proof-of-loss forms before payment must first obtain approval from Louisiana's insurance commissioner. Forms must follow and stay within the statutory model, though their appearance can differ. Insurers must provide the form within 10 business days after receiving a claim and keep it accessible online. They must report whether a submission is complete within 10 business days after receiving it. Receipt of a completed statement is the sole basis for satisfactory proof of loss under the specified claims-payment laws. The model requests policy, claimant, loss, ownership, mortgage, repair-cost, and other-coverage information, plus a signed certification. It preserves claimant rights and references the department's catastrophe claims guide. Policies governed by R.S. 22:1811, R.S. 22:1821, and Title 23, Chapter 10 are excluded; the commissioner can adopt implementation and enforcement rules.
Sponsors & Cosponsors
Sponsor
Michael "Gabe" Firment
Republican • House
Cosponsors
Beth Anne Billings
Republican • House
Charles Owen
Republican • House
Jack McFarland
Republican • House
Jason Brian DeWitt
Republican • House
Julie Emerson
Affiliation unavailable
Kim Carver
Republican • House
Mike Johnson
Republican • House
Peter F. Egan Sr.
Republican • House
Phillip DeVillier
Republican • House
R. Dewith Carrier
Republican • House
Rhonda Gaye Butler
Republican • House
Roger William Wilder III
Republican • House
Stephanie H. Berault
Republican • House
Vincent E. Cox III
Republican • House
Roll Call Votes
House vote • 6/8/2025
Read by title, roll called, yeas 72, nays 26, Senate amendments concurred in.
Yes: 72 • No: 26
Senate vote • 6/3/2025
Senate floor amendments read and adopted. Read by title, passed by a vote of 28 yeas and 8 nays, and ordered returned to the House. Motion to reconsider tabled.
Yes: 28 • No: 8
House vote • 4/30/2025
Read third time by title, roll called on final passage, yeas 71, nays 27. Finally passed, title adopted, ordered to the Senate.
Yes: 71 • No: 27
House vote • 4/23/2025
Reported favorably
Yes: 10 • No: 5
Actions Timeline
Enrolled and signed by the Speaker of the House.
6/9/2025HouseSigned by the President of the Senate.
6/9/2025SenateSent to the Governor for executive approval.
6/9/2025HouseRead by title, roll called, yeas 72, nays 26, Senate amendments concurred in.
6/8/2025HouseReceived from the Senate with amendments.
6/4/2025HouseScheduled for concurrence on 06/08/2025.
6/4/2025HouseRules suspended. Called from the Calendar.
6/3/2025SenateSenate floor amendments read and adopted. Read by title, passed by a vote of 28 yeas and 8 nays, and ordered returned to the House. Motion to reconsider tabled.
6/3/2025SenateRead by title and returned to the Calendar, subject to call.
5/28/2025SenateReported without Legislative Bureau amendments. Read by title and passed to third reading and final passage.
5/20/2025SenateRead by title and referred to the Legislative Bureau.
5/19/2025SenateReported favorably.
5/14/2025SenateRead second time by title and referred to the Committee on Insurance.
5/5/2025SenateRead third time by title, roll called on final passage, yeas 71, nays 27. Finally passed, title adopted, ordered to the Senate.
4/30/2025HouseReceived in the Senate. Rules suspended. Read first time by title and placed on the Calendar for a second reading.
4/30/2025SenateScheduled for floor debate on 04/30/2025.
4/28/2025HouseRead by title, ordered engrossed, passed to 3rd reading.
4/24/2025HouseReported favorably (10-5).
4/23/2025HouseRead by title, under the rules, referred to the Committee on Insurance.
4/14/2025HousePrefiled.
4/4/2025HouseUnder the rules, provisionally referred to the Committee on Insurance.
4/4/2025HouseBecomes Act No. 500 without the Governor's signature.
7/1/2024HouseEffective date: 08/01/2025.
7/1/2024House
Bill Text
Enacted
Engrossed
Enrolled
Introduced
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