Title 22, Insurance
0 chapters · 2,651 sections in this title.
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. § 22:1301 Redesignated as R.S
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§1301. Redesignated as R.S. 22:1981 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1301.1 Redesignated as R.S
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§1301.1. Redesignated as R.S. 22:1982 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1302 Redesignated as R.S
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§1302. Redesignated as R.S. 22:1983 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1303 Redesignated as R.S
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§1303. Redesignated as R.S. 22:1984 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1304 Redesignated as R.S
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§1304. Redesignated as R.S. 22:1985 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1305 Redesignated as R.S
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§1305. Redesignated as R.S. 22:1986 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1306 Redesignated as R.S
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§1306. Redesignated as R.S. 22:1987 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1307 Redesignated as R.S
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§1307. Redesignated as R.S. 22:1988 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1308 Redesignated as R.S
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§1308. Redesignated as R.S. 22:1989 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1309 Redesignated as R.S
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§1309. Redesignated as R.S. 22:1990 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
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. § 22:1310 Redesignated as R.S
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§1310. Redesignated as R.S. 22:1991 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
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. § 22:1321 Redesignated as R.S
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§1321. Redesignated as R.S. 22:671 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1322 Redesignated as R.S
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§1322. Redesignated as R.S. 22:672 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1323 Redesignated as R.S
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§1323. Redesignated as R.S. 22:673 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1324 Redesignated as R.S
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§1324. Redesignated as R.S. 22:674 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1325 Redesignated as R.S
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§1325. Redesignated as R.S. 22:675 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
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…
La. Rev. Stat. § 22:1339 Homeowners' insurance; use of aerial images to inspect property
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§1339. Homeowners' insurance; use of aerial images to inspect property A. An insurer shall not solely rely upon aerial images of an insured property to identify the specific condition that serves as the insurer's basis for cancellation or nonrenewal of a policy of homeowners' ins…
La. Rev. Stat. § 22:134 Capital requirements
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§134. Capital requirements All domestic insurers qualifying to write service insurance only shall in lieu of the capital requirements of R.S. 22:81 or the minimum surplus requirements of R.S. 22:111 and 22:114, have a paid-in capital of ten thousand dollars and a minimum surplus …
La. Rev. Stat. § 22:1340 Applicant or insured disclosure requirement; group homes
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§1340. Applicant or insured disclosure requirement; group homes Upon application for a new homeowners' insurance policy or at any time for an insured that has a homeowners' insurance policy in effect, the applicant or insured shall disclose to the insurer that the property is to …
La. Rev. Stat. § 22:1340.1 Homeowners' insurance; prohibited coverage of unimproved land
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§1340.1. Homeowners' insurance; prohibited coverage of unimproved land An insurer shall not deliver, issue, or renew any homeowners' insurance policy providing coverage for loss or damage to improvements upon immovable property that includes the value of the unimproved land in th…