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0 chapters · 1,747 sections in this title.
La. Rev. Stat. § 22:1286 Automobile insurance policies; increase in premium; age discrimination
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§1286. Automobile insurance policies; increase in premium; age discrimination An insurer shall not increase the premium charged for an automobile liability insurance policy for any insured solely on the grounds that the insured has attained the age of sixty-five or older. Any ins…
La. Rev. Stat. § 22:1287 Overpayments; surplus premium; endorsement credits
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§1287. Overpayments; surplus premium; endorsement credits All automobile insurers shall as soon as reasonably possible, but in no event later than sixty days, pay to the premium finance company, if the premium has been financed or if not financed, to the insured, or the person en…
La. Rev. Stat. § 22:1288 Discrimination in automobile liability insurance prohibited
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§1288. Discrimination in automobile liability insurance prohibited A. No insurer shall refuse to issue or renew, increase the premium, or cancel an automobile insurance policy solely because the insured is deaf or hard of hearing, provided such person is mentally and physically c…
La. Rev. Stat. § 22:1289 Automobile policies; discrimination against paid or volunteer firemen prohibited
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§1289. Automobile policies; discrimination against paid or volunteer firemen prohibited No insurer doing business in this state who issues a personal automobile insurance policy to an insured who is a paid or volunteer fireman shall charge a higher premium rate, increase or add a…
La. Rev. Stat. § 22:1289.1 Automobile insurance policies; policy issuance based upon impending weather conditions
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§1289.1. Automobile insurance policies; policy issuance based upon impending weather conditions No insurer shall refuse to issue an automobile insurance policy providing collision or comprehensive coverage on a newly purchased motor vehicle, at the time of purchase of the automob…
La. Rev. Stat. § 22:1290 Motor vehicle liability policy
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§1290. Motor vehicle liability policy No settlement made under a vehicle liability insurance policy for a claim against any insured thereunder arising from any accident or other event insured against for damage to or destruction of property owned by another person shall be constr…
La. Rev. Stat. § 22:1291 Automobile liability coverage; loaner vehicle; driver's policy primary policy
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§1291. Automobile liability coverage; loaner vehicle; driver's policy primary policy A. Notwithstanding any provision of the policy, the primary liability, physical damage, or collision coverage for a loaner vehicle shall be the policy of the driver, not the policy of the vehicle…
La. Rev. Stat. § 22:1292 Towing and storage of motor vehicles; insurance policies; storage fees; exceptions
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§1292. Towing and storage of motor vehicles; insurance policies; storage fees; exceptions A. A motor vehicle insurance policy shall not be construed to allow an insurer to assume or accede to the legal title of a motor vehicle without assuming credit obligations of the insured ow…
La. Rev. Stat. § 22:1293 Automobile insurance; total loss provision
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§1293. Automobile insurance; total loss provision An insurer may use the cost to repair or replace airbags used or damaged in an automobile accident to determine if the automobile is a total loss under the total loss provisions of the insurance policy if the policyholder agrees i…
La. Rev. Stat. § 22:1294 Automobile insurance; substitute vehicle; notice of discontinuance; payment to provider
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§1294. Automobile insurance; substitute vehicle; notice of discontinuance; payment to provider A. Whenever any policy of automobile insurance provides a substitute vehicle for an insured, the insurer shall continue its payment for the substitute vehicle until either seventy-two h…
La. Rev. Stat. § 22:1295 Uninsured motorist coverage
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§1295. Uninsured motorist coverage The following provisions shall govern the issuance of uninsured motorist coverage in this state: (1)(a)(i) No automobile liability insurance covering liability arising out of the ownership, maintenance, or use of any motor vehicle shall be deliv…
La. Rev. Stat. § 22:1295.1 Excluded driver; named insured; liability
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§1295.1. Excluded driver; named insured; liability A. The named insured and the operator of a motor vehicle shall be solidarily liable for the damages caused by the operator's negligent or intentional act when the operator has been designated as a person excluded from coverage on…
La. Rev. Stat. § 22:1296 Coverage of temporary, substitute, and rental vehicles
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§1296. Coverage of temporary, substitute, and rental vehicles A. Every approved insurance company, reciprocal or exchange, writing automobile liability, physical damage, or collision insurance, shall extend to temporary substitute motor vehicles as defined in the applicable insur…
La. Rev. Stat. § 22:1296.1 Coverage for drivers of non-owned vehicles; requirements
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§1296.1. Coverage for drivers of non-owned vehicles; requirements A. An approved insurance company, reciprocal or exchange, writing automobile liability, uninsured, underinsured, or medical payments coverage shall not exclude the benefits of such coverage under its policy to an i…
La. Rev. Stat. § 22:1297 Damaged vehicle in storage facility; timely appraisal; penalties
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§1297. Damaged vehicle in storage facility; timely appraisal; penalties A. Whenever a property damage claim on a personal vehicle is made by an insured or a third party claimant, and the damaged vehicle is located in a storage facility, the insurer responsible for payment of the …
La. Rev. Stat. § 22:13 Penalty for violations
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§13. Penalty for violations A. Whoever intentionally violates, aids, abets, counsels, or procures another person to intentionally violate any provision of this Code, upon conviction, unless a specific penalty is provided elsewhere in this Code, and in addition to any revocation, …
La. Rev. Stat. § 22:1300.1 Short title
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§1300.1. Short title This Subpart shall be known and may be cited as the "Peer-to-Peer Car Sharing Program Act". Acts 2020, No. 277, §1.
La. Rev. Stat. § 22:1300.10 Consumer protections disclosures
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§1300.10. Consumer protections disclosures Each car sharing program agreement made in this state shall disclose to the shared vehicle owner and the shared vehicle driver all of the following: (1) Any right of the peer-to-peer car sharing program to seek indemnification from the s…
La. Rev. Stat. § 22:1300.11 Driver's license verification; data retention
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§1300.11. Driver's license verification; data retention A. A peer-to-peer car sharing program shall not enter into a peer-to-peer car sharing program agreement with a driver unless the driver who will operate the shared vehicle meets one of the following criteria: (1) Holds a dri…
La. Rev. Stat. § 22:1300.12 Responsibility for equipment
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§1300.12. Responsibility for equipment A peer-to-peer car sharing program shall have sole responsibility for any equipment, such as a global positioning system (GPS) system or other special equipment that is put in or on the vehicle to monitor or facilitate the car sharing transa…
La. Rev. Stat. § 22:1300.13 Automobile safety recalls
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§1300.13. Automobile safety recalls A. At the time when a vehicle owner registers as a shared vehicle owner on a peer-to-peer car sharing program and prior to the time when the shared vehicle owner makes a shared vehicle available for car sharing on the peer-to-peer car sharing p…
La. Rev. Stat. § 22:1300.2 Definitions
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§1300.2. Definitions Except when a different meaning is expressly stated or clearly indicated by the context, the following terms, as used in this Subpart, have the following meanings: (1) "Car sharing delivery period" means the period of time during which a shared vehicle is bei…
La. Rev. Stat. § 22:1300.3 Insurance coverage during car sharing period
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§1300.3. Insurance coverage during car sharing period A. A peer-to-peer car sharing program shall assume liability, except as provided in Subsection B of this Section, of a shared vehicle owner for bodily injury or property damage to third parties or uninsured or underinsured mot…
La. Rev. Stat. § 22:1300.4 Notification of implications of lien
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§1300.4. Notification of implications of lien When a vehicle owner registers as a shared vehicle owner on a peer-to-peer car sharing program and before a shared vehicle owner makes a shared vehicle available for sharing on the peer-to-peer car sharing program, a peer-to-peer car …
La. Rev. Stat. § 22:1300.5 Exclusions in motor vehicle liability policy
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§1300.5. Exclusions in motor vehicle liability policy A. An authorized insurer that writes motor vehicle liability insurance in this state may exclude any and all coverage and the duty to defend or indemnify for any claim afforded under a shared vehicle owner's motor vehicle liab…
La. Rev. Stat. § 22:1300.6 Recordkeeping; use of vehicle in car sharing
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§1300.6. Recordkeeping; use of vehicle in car sharing A peer-to-peer car sharing program shall collect and verify records pertaining to the use of a shared vehicle, including but not limited to times used, fees paid by the shared vehicle driver, and revenues received by the share…
La. Rev. Stat. § 22:1300.7 Exemption; vicarious liability
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§1300.7. Exemption; vicarious liability A peer-to-peer car sharing program and a shared vehicle owner shall be exempt from vicarious liability in accordance with 49 U.S.C. 30106 and pursuant to any state or local law that imposes liability solely based on vehicle ownership. Acts …
La. Rev. Stat. § 22:1300.8 Contribution against indemnification
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§1300.8. Contribution against indemnification A motor vehicle insurer that defends or indemnifies a claim against a shared vehicle that is excluded under the terms of its policy shall have the right to seek contribution against the motor vehicle insurer of the peer-to-peer car sh…
La. Rev. Stat. § 22:1300.9 Insurable interest
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§1300.9. Insurable interest A. Notwithstanding any other provision of law to the contrary, a peer-to-peer car sharing program shall have an insurable interest in a shared vehicle during the car sharing period. B. Nothing in this Section creates liability on a peer-to-peer car sha…
La. Rev. Stat. § 22:131 Service insurance defined
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§131. Service insurance defined Service insurance is hereby defined and shall be construed to be that insurance for which stipulated premiums are regularly payable and collectible and the policies or benefit certificates for which: (1) Promise or agree to furnish the insured a fu…
La. Rev. Stat. § 22:1311 Fire insurance contract; standard provisions; variations
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§1311. Fire insurance contract; standard provisions; variations A. The printed form of a policy of fire insurance, as set forth in Subsection F of this Section, shall be known and designated as the "standard fire insurance policy of the State of Louisiana." B.(1) No policy or con…
La. Rev. Stat. § 22:1312 Forms to be provided
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§1312. Forms to be provided Upon receiving notice of loss from the insured, the insurer shall provide within thirty days to the insured a form suitable for filing a proof of loss and shall advise the insured that he is required under the terms of the policy to submit a proof of l…
La. Rev. Stat. § 22:1313 Fire insurance contract; standard provisions; variations
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§1313. Fire insurance contract; standard provisions; variations A. Notwithstanding the requirements of R.S. 22:1311 concerning the use of the standard fire policy provisions, the use of such form shall not be required in the event the policy forms covering the peril of fire are e…
La. Rev. Stat. § 22:1314 Breach of warranties and conditions of fire policies and applications therefor
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§1314. Breach of warranties and conditions of fire policies and applications therefor A. No policy of fire insurance issued by any insurer on property in this state shall hereafter be declared void by the insurer for the breach of any representation, warranty, or condition contai…
La. Rev. Stat. § 22:1315 Defense of material misrepresentation not entitlement to void policy
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§1315. Defense of material misrepresentation not entitlement to void policy Assertion of a defense of material misrepresentation made by an insured subsequent to loss by fire as to the value of the contents of a residence or business shall not entitle an insurer to void total cov…
La. Rev. Stat. § 22:1316 Suits on fire insurance policies
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§1316. Suits on fire insurance policies Whenever suit is filed to recover loss on a fire insurance policy which has been issued either in the name of a married man or a married woman on property belonging to the community of acquets and gains or on property which is the separate …
La. Rev. Stat. § 22:1317 Co-insurance clauses; prohibited in certain cases
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§1317. Co-insurance clauses; prohibited in certain cases No policy of fire and extended coverage insurance issued by an authorized insurer covering property or risks in this state shall contain any clause or provisions requiring the insured to take out or maintain a larger amount…
La. Rev. Stat. § 22:1318 Valued policy clause; exceptions
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§1318. Valued policy clause; exceptions A. Under any fire insurance policy insuring inanimate, immovable property in this state, if the insurer places a valuation upon the covered property and uses such valuation for purposes of determining the premium charge to be made under the…
La. Rev. Stat. § 22:1319 Delivery of fire insurance contract providing coverage for damage to property; disclosure of coverage; coverage for damages due to flood
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§1319. Delivery of fire insurance contract providing coverage for damage to property; disclosure of coverage; coverage for damages due to flood A. In addition to any other requirement contained in law, the following provisions shall govern the issuance of fire insurance policies …
La. Rev. Stat. § 22:132 Policy provisions
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§132. Policy provisions A. No service insurer shall issue a policy for a term of more than twenty years and all policies issued shall be incontestable after the lapse of one year from the date of its issue, except for nonpayment of premiums or assessments. Thirty days written not…
La. Rev. Stat. § 22:1320 Prohibition of denial of coverage
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§1320. Prohibition of denial of coverage Notwithstanding anything to the contrary, liability coverage, which would otherwise be valid under the terms of the policy, shall not be declared void under any contract provision which specifically denies coverage for any and all acts com…
La. Rev. Stat. § 22:133 Deposits
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§133. Deposits All domestic service insurers shall, in addition to all other requirements, deposit with the commissioner of insurance a safekeeping or trust receipt of a bank doing business within this state or a savings and loan association chartered to do business in this state…
La. Rev. Stat. § 22:1331 Personal property coverage; option to exclude
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§1331. Personal property coverage; option to exclude A. (1) Upon a disaster being declared by the governor or the president of the United States or any officer acting under presidential authority, any insurance company that issues a homeowner's insurance policy, as defined in R.S…
La. Rev. Stat. § 22:1332 Delivery of homeowners' insurance; disclosures
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§1332. Delivery of homeowners' insurance; disclosures A. In addition to any other requirement contained in law, the provisions of this Section shall govern the issuance of homeowners' insurance policies issued or delivered in this state which provide coverage for damage to proper…
La. Rev. Stat. § 22:1333 Homeowner's insurance; insurer's nonrenewal without cause; inclusion in insured's
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§1333. Homeowner's insurance; insurer's nonrenewal without cause; inclusion in insured's file prohibited; certain prohibitions A. Whenever a policy of homeowner's insurance is not renewed by the insurer and such nonrenewal is without cause, the fact of such nonrenewal shall not b…
La. Rev. Stat. § 22:1334 Homeowners insurance policies; conversion of policy forms
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§1334. Homeowners insurance policies; conversion of policy forms A. With the approval of the commissioner of insurance an insurer may convert an entire class of homeowner policies to another homeowner policy form, which has been submitted to and approved by the commissioner, as t…
La. Rev. Stat. § 22:1335 Homeowners' insurance; cancellation; nonrenewal; limited grace period for
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§1335. Homeowners' insurance; cancellation; nonrenewal; limited grace period for surviving spouse NOTE: Subsection A eff. until July 1, 2026. See Acts 2025, No. 182. A. An insurer that has issued a policy of homeowner's insurance shall not fail to renew the policy unless it has m…
La. Rev. Stat. § 22:1336 Homeowner's insurance; acts of God
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§1336. Homeowner's insurance; acts of God No insurer shall cancel, fail to renew, or increase the amount of the premium, except upon an area-wide rating basis at the beginning of a new policy period, on a homeowner's policy of insurance based solely upon a loss caused by an "Act …
La. Rev. Stat. § 22:1337 Homeowners' insurance deductibles applied to named storms, hurricanes, and wind
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§1337. Homeowners' insurance deductibles applied to named storms, hurricanes, and wind and hail deductibles A. For purposes of this Section, the following definitions shall apply: (1) "Hurricane" means a storm system that has been declared a hurricane by the National Hurricane Ce…
La. Rev. Stat. § 22:1338 Additional living expense coverage; total loss
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§1338. Additional living expense coverage; total loss A. In the event of a total loss to an insured dwelling caused by a covered peril, if the insured has additional living expense coverage, the insurer shall, upon request by the insured, render an advance payment equal to the es…
