All Roll Calls
Yes: 230 • No: 7
LouisianaHB 4962025 Regular SessionHouseWALLET
INSURANCE/AUTOMOBILE: Provides relative to lapses in required insurance coverage
Sponsored By: Troy Jude Hebert (Republican)
Signed by Governor
Insurance
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Drivers gain protections after insurance lapses
Beginning January 1, 2026, Louisiana insurers cannot raise premiums or add or increase surcharges solely for a policy period's first lapse in required vehicle liability coverage lasting 90 days or less. After at least five straight years of coverage following a lapse, the next lapse counts as a first lapse. Insurers cannot deny an application or require another insurer solely because of one or more lapses. Later lapses without first-lapse protection can still lead to higher premiums or surcharges. Insurers can also still remove discounts that drivers no longer qualify for.
Sponsors & Cosponsors
Sponsor
Troy Jude Hebert
Republican • House
Cosponsors
Adrian Fisher
Democratic • House
Beth Anne Billings
Republican • House
Brian Leonard Glorioso
Republican • House
Chad Michael Boyer
Republican • House
Delisha Boyd
Democratic • House
Dennis Bamburg Jr.
Republican • House
Ed Larvadain III
Democratic • House
Edmond Jordan
Democratic • House
Kathy Edmonston
Republican • House
Kim Carver
Republican • House
Kimberly Landry Coates
Republican • House
Marcus Anthony Bryant
Democratic • House
Michael Robert Bayham Jr.
Republican • House
Phillip DeVillier
Republican • House
R. Dewith Carrier
Republican • House
Rhonda Gaye Butler
Republican • House
Robby Carter
Democratic • House
Stephanie H. Berault
Republican • House
Vanessa Caston LaFleur
Democratic • House
Roll Call Votes
House vote • 6/10/2025
Read by title, roll called, yeas 96, nays 1, Senate amendments concurred in.
Yes: 96 • No: 1
Senate vote • 6/8/2025
Senate floor amendments read and adopted. Read by title, passed by a vote of 34 yeas and 3 nays, and ordered returned to the House. Motion to reconsider tabled.
Yes: 34 • No: 3
House vote • 4/28/2025
Read third time by title, amended, roll called on final passage, yeas 87, nays 3. Finally passed, title adopted, ordered to the Senate.
Yes: 87 • No: 3
House vote • 4/16/2025
Reported with amendments
Yes: 13 • No: 0
Actions Timeline
Signed by the Governor. Becomes Act No. 476.
6/20/2025HouseEffective date: 01/01/2026.
6/20/2025HouseSigned by the President of the Senate.
6/12/2025SenateSent to the Governor for executive approval.
6/12/2025HouseEnrolled and signed by the Speaker of the House.
6/11/2025HouseRead by title, roll called, yeas 96, nays 1, Senate amendments concurred in.
6/10/2025HouseReceived from the Senate with amendments.
6/9/2025HouseScheduled for concurrence on 06/10/2025.
6/9/2025HouseRules suspended. Called from the Calendar.
6/8/2025SenateSenate floor amendments read and adopted. Read by title, passed by a vote of 34 yeas and 3 nays, and ordered returned to the House. Motion to reconsider tabled.
6/8/2025SenateRead 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.
5/12/2025SenateRead by title and referred to the Legislative Bureau.
5/8/2025SenateReported favorably.
5/7/2025SenateRead second time by title and referred to the Committee on Insurance.
4/30/2025SenateReceived in the Senate. Read first time by title and placed on the Calendar for a second reading.
4/29/2025SenateRead third time by title, amended, roll called on final passage, yeas 87, nays 3. Finally passed, title adopted, ordered to the Senate.
4/28/2025HouseScheduled for floor debate on 04/28/2025.
4/24/2025HouseRead by title, amended, ordered engrossed, passed to 3rd reading.
4/22/2025HouseReported with amendments (13-0).
4/16/2025HouseRead 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.
4/4/2025House
Bill Text
Enacted
Engrossed
Enrolled
Introduced
Reengrossed
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