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0 chapters · 1,747 sections in this title.
La. Rev. Stat. § 22:1460 Fire insurance rates; the Property Insurance Association of Louisiana
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§1460. Fire insurance rates; the Property Insurance Association of Louisiana A. Every insurance company authorized to write fire insurance in this state shall adhere to the rates promulgated by The Property Insurance Association of Louisiana as provided in this Section, and appro…
La. Rev. Stat. § 22:1461 Board of review; membership; authority
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§1461. Board of review; membership; authority A. A board of review shall be established within the Department of Insurance to review public fire protection grading issued by the Property Insurance Association of Louisiana when a request for review is properly submitted. The board…
La. Rev. Stat. § 22:1462 Request for review of public fire protection grading
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§1462. Request for review of public fire protection grading A. The board shall not have authority to review a public fire protection grading issued by the Property Insurance Association of Louisiana unless all requirements of this Section have been satisfied. B. A fire chief shal…
La. Rev. Stat. § 22:1463 Standard of review; rehearing
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§1463. Standard of review; rehearing A. The board of review shall determine whether the grading issued by the Property Insurance Association of Louisiana was proper according to that association's guidelines. B. The fire chief and the Property Insurance Association of Louisiana s…
La. Rev. Stat. § 22:1464 Rate filing
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§1464. Rate filing A.(1) Every insurer whose rates are subject to regulation under the provisions of this Subpart shall file with the commissioner, except as to individually rated excess insurance coverages which are not written according to manual rates or rating plans, every ma…
La. Rev. Stat. § 22:1464.1 1 eff
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§1464.1 eff. until Jan. 1, 2027. See Acts 2025, No. 428 §1464.1. Redesignated as R.S. 22:1485 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009. NOTE: §1464.1 eff. Jan. 1, 2027. See Acts 2025, No. 428 §1464.1. Rate transparency report; required A. Every admitted insurer licensed to wr…
La. Rev. Stat. § 22:1465 Disapproval of filings; rates; procedures
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§1465. Disapproval of filings; rates; procedures A.(1) The commissioner shall disapprove a rate if he determines that the rate is excessive, inadequate, or unfairly discriminatory. (2) If within the notification period as provided in R.S. 22:1451, the commissioner finds that a ra…
La. Rev. Stat. § 22:1466 Other rating organizations
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§1466. Other rating organizations A.(1) A corporation, an unincorporated association, a partnership, or an individual, whether located within or outside this state, may make application to the commissioner of insurance for license as a rating organization for such kinds of insura…
La. Rev. Stat. § 22:1467 Louisiana Title Statistical Services Organization
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§1467. Louisiana Title Statistical Services Organization A. Louisiana Title Statistical Services Organization is a private rating organization pursuant to R.S. 22:1466, authorized to make title insurance rate filings to the commissioner of insurance on behalf of its members, whic…
La. Rev. Stat. § 22:1468 Deviations
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§1468. Deviations A. Every member of or subscriber to the Property Insurance Association of Louisiana or other rating organization shall adhere to the rates and filings made on its behalf by such organization, except that: (1) In case of fire, title, marine, and inland marine ins…
La. Rev. Stat. § 22:1469 Appeal by subscriber to a rating organization
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§1469. Appeal by subscriber to a rating organization A. Any member of or subscriber to a rating organization may appeal to the commissioner from the action or decision of such rating organization in approving or rejecting any proposed change in or addition to the filings of such …
La. Rev. Stat. § 22:147 Policies under standard non-forfeiture law excepted
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§147. Policies under standard non-forfeiture law excepted The provisions of R.S. 22:146 shall not apply to any policy issued by any industrial insurer under the provisions of R.S. 22:936. Acts 1958, No. 125; Redesignated from R.S. 22:257 by Acts 2008, No. 415, §1, eff. Jan. 1, 20…
La. Rev. Stat. § 22:1470 Information to be provided insureds; hearings and appeals of insureds
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§1470. Information to be provided insureds; hearings and appeals of insureds A. Every rating organization and every insurer which makes its own rates shall, within a reasonable time after receiving a written request from an insured, provide to any insured affected by a rate made …
La. Rev. Stat. § 22:1471 Advisory organizations
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§1471. Advisory organizations A. Every group, association, or other organization of insurers, whether located within or outside this state, which assists insurers which make their own filings or rating organization or any division in rate making, by the collection and furnishing …
La. Rev. Stat. § 22:1472 Joint underwriting or joint reinsurance
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§1472. Joint underwriting or joint reinsurance A. Every group, association, or other organization of insurers which engages in joint underwriting or joint reinsurance, shall be subject to regulations and penalties as provided by this Subpart. Joint reinsurance shall also be subje…
La. Rev. Stat. § 22:1473 Rate administration
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§1473. Rate administration A. Recording and reporting of loss and expense experience. The commissioner of insurance shall promulgate reasonable rules and statistical plans, reasonably adapted to each of the rating systems on file with the commissioner, which may be modified from …
La. Rev. Stat. § 22:1474 False or misleading information
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§1474. False or misleading information No person or organization shall willfully withhold information from or knowingly give false or misleading information to the commissioner, any statistical agency designated by him, any rating organization, or any insurer which will affect th…
La. Rev. Stat. § 22:1475 Louisiana Automobile Insurance Plan
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§1475. Louisiana Automobile Insurance Plan A. After consultation with insurance companies authorized to issue motor vehicle insurance in this state, the commissioner of insurance shall approve a reasonable plan, the Louisiana Automobile Insurance Plan, referred to in this Section…
La. Rev. Stat. § 22:1476 Assessments against insurers; dedications
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§1476. Assessments against insurers; dedications A.(1) Sufficient funds determined by the commissioner of insurance shall be provided by all insurers doing business in this state and subject to this Subpart, by the payment of an assessment to be levied against them by the commiss…
La. Rev. Stat. § 22:1477 Public property rates
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§1477. Public property rates The rates of fire, windstorm, and hail insurance covering state, parochial, and municipal public buildings or other public property shall be subject to supervisory and experience credits as promulgated by the Property Insurance Association of Louisian…
La. Rev. Stat. § 22:1478 Right to employ attorney
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§1478. Right to employ attorney In the event the commissioner deems it necessary to take any legal step or to file any suit or other proceedings to carry out the provisions of this Subpart, he shall have the right to employ an attorney for said purpose, provided the fees to be pa…
La. Rev. Stat. § 22:1479 Consumer representation; attorney general
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§1479. Consumer representation; attorney general In all proceedings before the commissioner, the attorney general shall have the right to represent the interest of the people of the state of Louisiana. The attorney general, or his designee, shall have the right to question witnes…
La. Rev. Stat. § 22:148 Powers of existing industrial insurers
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§148. Powers of existing industrial insurers Industrial insurers already organized and qualified under the industrial laws of this state as of twelve o'clock noon of October 1, 1948, shall continue to have the same underwriting powers they had as of that date without the necessit…
La. Rev. Stat. § 22:1481 Worker's compensation rates; safe workplace discount; criteria; inspection
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§1481. Worker's compensation rates; safe workplace discount; criteria; inspection A. Any insurer submitting rates and rating plans under this Subpart for worker's compensation policies may, but shall not be required to, provide for a safe workplace discount on worker's compensati…
La. Rev. Stat. § 22:1482 Military personnel premium discount; rebates; rating standards and methods
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§1482. Military personnel premium discount; rebates; rating standards and methods A. Every motor vehicle insurer authorized to transact business in this state shall provide to active duty military, military reservist, Louisiana Air National Guard, and Louisiana Army National Guar…
La. Rev. Stat. § 22:1482.1 Military personnel premium discount for homeowner's insurance; rating standards
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§1482.1. Military personnel premium discount for homeowner's insurance; rating standards and methods A. Beginning August 1, 2008, and thereafter, every homeowner's insurer authorized to transact business in this state and offering homeowner's coverage in this state may provide to…
La. Rev. Stat. § 22:1482.2 Premium discount for dashboard cameras with telematics; liability portion of
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§1482.2. Premium discount for dashboard cameras with telematics; liability portion of policies; commercial motor vehicles A. The purpose of this Section is to enhance public safety, reduce insurance fraud, and lower costs of claims by incentivizing the use of dashboard cameras pa…
La. Rev. Stat. § 22:1483 Premium discounts, credits, rate differentials, adjustments in deductibles, and other
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§1483. Premium discounts, credits, rate differentials, adjustments in deductibles, and other adjustments for compliance with building codes and for damage mitigation A. Any insurer required to submit rates and rating plans to the commissioner shall provide an actuarially justifie…
La. Rev. Stat. § 22:1483.1 Louisiana Fortify Homes Program
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§1483.1. Louisiana Fortify Homes Program A.(1) The Louisiana Fortify Homes Program is hereby created within the department. The commissioner, as program administrator, may make financial grants to retrofit roofs of insurable property, as defined in R.S. 22:1483, with a homestead …
La. Rev. Stat. § 22:1483.2 Fortified roof endorsement; mandatory offer
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§1483.2. Fortified roof endorsement; mandatory offer A. Any authorized insurer writing homeowners' insurance policies shall offer an endorsement to upgrade an insured's nonfortified home to comply with the fortified roof standards of the Insurance Institute for Business and Home …
La. Rev. Stat. § 22:1483.3 Discounts; actuarial study
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§1483.3. Discounts; actuarial study A. Subject to a sufficient appropriation by the legislature, the department shall conduct an actuarial study to determine the range of discounts that would be actuarially justified for a structure that meets the fortified home building standard…
La. Rev. Stat. § 22:1484 Property, casualty, and liability insurance; premium increase by insurer without or with material change in circumstances of insured; notice of premium increase
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§1484. Property, casualty, and liability insurance; premium increase by insurer without or with material change in circumstances of insured; notice of premium increase A.(1) No insurer shall be entitled to an additional premium for a commercial property, casualty, or liability in…
La. Rev. Stat. § 22:1485 Homeowners' insurance; premium discounts
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§1485. Homeowners' insurance; premium discounts A. As used in this Section, the following terms shall have the following meanings: (1) "Factory-built home" has the meaning given to that term in R.S. 9:1149.2. (2) "Permanently structured home" means a structure with a permanent fo…
La. Rev. Stat. § 22:1487 Comparison data for automobile insurance policies
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§1487. Comparison data for automobile insurance policies A. The Department of Insurance may compile computerized comparisons of premiums charged and coverage available for automobile insurance policies for typical individuals, families, and businesses, broken down by geographic a…
La. Rev. Stat. § 22:1488 Homeowner's insurance clarity; publication of aggregate data; penalties
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§1488. Homeowner's insurance clarity; publication of aggregate data; penalties A.(1)(a) Each insurance company authorized to write homeowner's insurance in this state shall annually submit to the commissioner, commencing on or before May 1, 2015, for homeowner's insurance policie…
La. Rev. Stat. § 22:149 Required policy provisions
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§149. Required policy provisions A. All industrial life insurance policies, delivered or issued for delivery in this state, shall contain, in substance, the following provisions, or provisions submitted by the insurer which in the opinion of the commissioner of insurance are more…
La. Rev. Stat. § 22:150 Exceptions
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§150. Exceptions The requirements in R.S. 22:149 shall not be applicable as follows: (1) When an industrial life insurance policy is issued by any domestic, foreign, or alien insurer providing other benefits, in addition to life insurance, the provisions of R.S. 22:149 shall appl…
La. Rev. Stat. § 22:1500 Subsections A - J redesignated as R.S
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§1500. Subsections A - J redesignated as R.S. 22:781 and Subsection K redesignated as R.S. 22:914 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1501 Purpose
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§1501. Purpose The purpose of this Subpart is to regulate the use of credit information for personal insurance so that consumers are afforded certain protections with respect to the use of such information. Acts 2003, No. 1256, §1; Redesignated from R.S. 22:1481 by Acts 2008, No.…
La. Rev. Stat. § 22:1502 Scope
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§1502. Scope This Subpart applies to personal insurance and not to commercial insurance. For purposes of this Subpart, "personal insurance" means private passenger automobile, homeowners, motorcycle, mobile home owners, and noncommercial dwelling fire insurance policies and boat,…
La. Rev. Stat. § 22:1503 Definitions
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§1503. Definitions For the purposes of this Subpart, the following terms shall have the following meanings: (1) "Adverse action" means a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amo…
La. Rev. Stat. § 22:1504 Use of credit information
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§1504. Use of credit information An insurer authorized to do business in Louisiana that uses credit information to underwrite or rate risks shall not: (1) Use an insurance score that is calculated using income, gender, address, zip code, ethnic group, religion, marital status, or…
La. Rev. Stat. § 22:1505 Dispute resolution and error correction
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§1505. Dispute resolution and error correction If it is determined through the dispute resolution process set forth in the federal Fair Credit Reporting Act, 15 U.S.C. 1681i(a)(5) that the credit information of a current insured was incorrect or incomplete and if the insurer rece…
La. Rev. Stat. § 22:1506 Appeals of underwriting or rates
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§1506. Appeals of underwriting or rates Insurers using credit information to underwrite or rate risks shall provide a process for the consumer to appeal the underwriting or rating of risks for which credit scoring may be an inappropriate factor. Nothing in this Section shall be c…
La. Rev. Stat. § 22:1507 Exemptions from the use of credit information
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§1507. Exemptions from the use of credit information Insurers shall provide reasonable exemptions from the use of credit information in underwriting or rating risks if the consumer can clearly demonstrate that his credit history is unduly influenced by a medical crisis, death of …
La. Rev. Stat. § 22:1508 RS 22:1508
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§1508 eff. until July 1, 2026. See Acts 2025, No. 465. §1508. Initial notification A. If an insurer writing personal insurance uses credit information in underwriting or rating a consumer, the insurer or its agent shall disclose, either on the insurance application or at the time…
La. Rev. Stat. § 22:1509 RS 22:1509
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§1509 eff. until July 1, 2026. See Acts 2025, No. 465. §1509. Adverse action notification If an insurer takes an adverse action based upon credit information, the insurer must meet the notice requirements of this Section. Such insurer shall: (1) Provide notification to the consum…
La. Rev. Stat. § 22:1510 RS 22:1510
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§1510 eff. until July 1, 2026. See Acts 2025, No. 465. §1510. Filing A. Insurers that use insurance-related scoring systems to underwrite and rate risks shall file their scoring models or other scoring processes with the Department of Insurance. A third party may file scoring mod…
La. Rev. Stat. § 22:1511 Indemnification
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§1511. Indemnification A. An insurer shall indemnify, defend, and hold producers harmless from and against all liability, fees, and costs arising out of or relating to the actions, errors, or omissions of a producer who obtains or uses credit information or insurance scores for a…
La. Rev. Stat. § 22:1512 Sale of policy term information by consumer reporting agency
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§1512. Sale of policy term information by consumer reporting agency A. No consumer reporting agency or insurer shall provide or sell dates or lists that include any information that in whole or in part was submitted in conjunction with an insurance inquiry about a consumer's cred…
