Title 22, Insurance
0 chapters · 2,651 sections in this title.
La. Rev. Stat. § 22:1260.9 Penalties
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§1260.9. Penalties A. In addition to the penalties and other enforcement provisions of this Subpart, any person who willfully violates the provisions of this Subpart shall be subject to civil penalties of up to two thousand five hundred dollars per violation. B. A person that wil…
La. Rev. Stat. § 22:1261 Renewal of policy; increase in premiums prohibited
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§1261. Renewal of policy; increase in premiums prohibited A. Any insurance policy terminating by its terms at a specified expiration date and not otherwise renewable may be renewed or extended at the option of the insurer. Such renewal shall be made upon a currently authorized re…
La. Rev. Stat. § 22:1262 Annulment of liability policies
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§1262. Annulment of liability policies No insurance contract insuring against loss or damage through legal liability for the bodily injury or death by accident of any individual, or for damage to the property of any person, shall be retroactively annulled by any agreement between…
La. Rev. Stat. § 22:1262.1 Redesignated as R.S
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§1262.1. Redesignated as R.S. 22:436 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1263 Premises used as polling places; prohibited provisions excluding or limiting coverage
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§1263. Premises used as polling places; prohibited provisions excluding or limiting coverage A. A provision in a liability or other insurance policy which excludes or limits coverage solely because premises are being used as a polling place in an election shall be null and void a…
La. Rev. Stat. § 22:1263.1 Redesignated as R.S
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§1263.1. Redesignated as R.S. 22:438 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1264 Presumption of coverage
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§1264. Presumption of coverage A. For losses that arose due to a catastrophic event for which a state of disaster or emergency was declared pursuant to law by civil officials, for those areas within the declaration, no damages to covered property shall be automatically denied by …
La. Rev. Stat. § 22:1265 Property, casualty, and liability insurance policies; cancellation and nonrenewal
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§1265. Property, casualty, and liability insurance policies; cancellation and nonrenewal provisions; nonrenewal for rate inadequacy; certain prohibitions A.(1) Any insurer cancelling or refusing to renew a policy providing property, casualty, or liability insurance on any propert…
La. Rev. Stat. § 22:1266 Automobile, property, casualty, and liability insurance policies; cancellations
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§1266. Automobile, property, casualty, and liability insurance policies; cancellations A. As used in this Part: (1) "Automobile collision coverage" includes all coverage of loss or damage to an automobile insured under the policy resulting from collision or upset. (2) "Automobile…
La. Rev. Stat. § 22:1267 Commercial insurance; cancellation and renewal
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§1267. Commercial insurance; cancellation and renewal A. This Section shall apply to commercial property insurance policies, commercial automobile insurance policies, commercial multi-peril insurance policies, workers' compensation insurance, professional errors and omissions pol…
La. Rev. Stat. § 22:1267.1 Commercial insurance deductibles applied to named storm, hurricane, and wind and
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§1267.1. Commercial insurance deductibles applied to named storm, hurricane, and wind and hail deductibles A. For purposes of this Section: (1) "Hurricane" means a storm system that has been declared a hurricane by the National Hurricane Center of the National Weather Service. (2…
La. Rev. Stat. § 22:1268 Interest on refund; exception
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§1268. Interest on refund; exception A. Any refund due an insured by an insurer writing or delivering insurance policies excluding health insurance, life insurance, and annuities in the state because of either cancellation, elimination, or reduction of coverage by the insurer or …
La. Rev. Stat. § 22:1269 Liability policy; insolvency or bankruptcy of insured and inability to effect service
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§1269. Liability policy; insolvency or bankruptcy of insured and inability to effect service of citation or other process; direct action against insurer A. No policy or contract of liability insurance shall be issued or delivered in this state, unless it contains provisions to th…
La. Rev. Stat. § 22:127 Redesignated as R.S
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§127. Redesignated as R.S. 22:119 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1270 Personal property; specific coverage; valuation; exemptions
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§1270. Personal property; specific coverage; valuation; exemptions A. In any case in which a policy includes coverage for loss of or damage to personal property of the insured, from whatever cause, if the insurer places a valuation upon the specific item of covered property and u…
La. Rev. Stat. § 22:1271 Identification of property upon which premium is due
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§1271. Identification of property upon which premium is due A. Any bill or other notice requiring payment of a premium for a policy of property or casualty insurance which is sent by an insurer to its policyholder shall identify the insured property sufficiently to allow the poli…
La. Rev. Stat. § 22:1272 Defense costs; prohibition; waiver
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§1272. Defense costs; prohibition; waiver A. The liability limits contained in a policy or contract of insurance issued by an authorized insurer shall not be reduced by the expenses of defense in a suit under the policy unless waived by the commissioner as provided in Paragraph (…
La. Rev. Stat. § 22:1273 Presumption of coverage; civil authority prohibited use
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§1273. Presumption of coverage; civil authority prohibited use A. For losses that arise due to a catastrophic event in which a state of disaster or emergency is declared by civil officials, for those areas within the declaration, if a civil authority prohibits the insured from us…
La. Rev. Stat. § 22:1274 Prohibited policy provision
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§1274. Prohibited policy provision A. An insurer shall not include a provision in any policy of property insurance that prohibits an insured from hiring a public adjuster for services provided pursuant to the provisions of this Title. B. Subsection A of this Section does not appl…
La. Rev. Stat. § 22:1275 Assignment of benefits; prohibited
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§1275. Assignment of benefits; prohibited A. For the purposes of this Section, "assignment agreement" means any instrument by which post-loss benefits under a residential or commercial property insurance policy, including but not limited to any right of action against the insurer…
La. Rev. Stat. § 22:1276 Notification to commissioner; market activity
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§1276. Notification to commissioner; market activity A. An insurer authorized to transact the business of automobile or property insurance in this state shall, within ten days of providing notice to its agents or other representatives of any decision to cease, pause, or resume th…
La. Rev. Stat. § 22:128 Redesignated as R.S
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§128. Redesignated as R.S. 22:120 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1281 Standard automobile insurance form
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§1281. Standard automobile insurance form The commissioner of insurance may promulgate such rules and regulations as necessary to establish reasonable standard provisions to be included in all policies of automobile insurance delivered or issued for delivery in this state. All su…
La. Rev. Stat. § 22:1282 Standard motor vehicle insurance form; prohibited provisions
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§1282. Standard motor vehicle insurance form; prohibited provisions No motor vehicle liability insurance policy nor any uninsured motorist coverage for bodily injury shall limit the coverage of, or the amount that can be recovered by, the named insured, or the spouse or other fam…
La. Rev. Stat. § 22:1283 Proof of motorcycle endorsement
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§1283. Proof of motorcycle endorsement A. Each person who makes an application for issuance of a policy of insurance covering a motorcycle shall provide proof of the appropriate license endorsement required by R.S. 32:408(C). Such proof shall be provided to the insurer or its pro…
La. Rev. Stat. § 22:1284 Motor vehicle insurance; consideration of nonfault incidents prohibited
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§1284. Motor vehicle insurance; consideration of nonfault incidents prohibited A. No insurer shall increase the rate, increase or add a surcharge, cancel, or fail to renew any policy of motor vehicle insurance when such action is based on consideration of one or more nonfault inc…
La. Rev. Stat. § 22:1284.1 Motor vehicle insurance; consideration of lapse in coverage
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§1284.1. Motor vehicle insurance; consideration of lapse in coverage A (1)(a) An insurer shall not increase the premium rate or increase or add a surcharge on any policy of motor vehicle insurance based on an insured's first lapse in coverage, provided the lapse does not exceed n…
La. Rev. Stat. § 22:1285 Automobile insurance policies; refusal to issue or renew; age discrimination
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§1285. Automobile insurance policies; refusal to issue or renew; age discrimination No insurer shall refuse to issue or renew an automobile insurance policy to any person over the age of sixty-five based upon the age of the insured provided the insured is mentally and physically …
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. § 22:129 Redesignated as R.S
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§129. Redesignated as R.S. 22:121 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
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. § 22:1290.1 Repealed by Acts 2021, No
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§1290.1. Repealed by Acts 2021, No. 21, §2, eff. June 1, 2021.
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…