Title 22, Insurance

0 chapters · 2,651 sections in this title.

2,651 sectionsFiltered byTitle 22

La. Rev. Stat. § 22:1450.4 Redesignated as R.S
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§1450.4. Redesignated as R.S. 22:2273 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1450.5 Redesignated as R.S
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§1450.5. Redesignated as R.S. 22:2274 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1450.6 Redesignated as R.S
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§1450.6. Redesignated as R.S. 22:2275 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1450.7 Redesignated as R.S
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§1450.7. Redesignated as R.S. 22:2276 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1450.8 Redesignated as R.S
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§1450.8. Redesignated as R.S. 22:2277 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1451 Systems for ratemaking
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§1451. Systems for ratemaking A. The provisions of this Subpart apply to all lines of property and casualty insurance. B. Except as provided for in Subsection C of this Section, every authorized insurer shall file with the commissioner all rates, supplementary rate information, a…
La. Rev. Stat. § 22:1451.3 Redesignated as R.S
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§1451.3. Redesignated as R.S. 22:574 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1452 Purpose of rate regulation; construction; definitions
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§1452. Purpose of rate regulation; construction; definitions A. The purpose of this Subpart is to promote the public welfare by regulating insurance rates to the end that they shall not be excessive, inadequate, or unfairly discriminatory and to authorize and regulate cooperative…
La. Rev. Stat. § 22:1453 Repealed by Acts 2025, No
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§1453. Repealed by Acts 2025, No. 11, §2.
La. Rev. Stat. § 22:1454 Rating standards and methods
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§1454. Rating standards and methods A. Rates shall not be excessive, inadequate, or unfairly discriminatory. Risks may be classified using any criteria except that no risk shall be classified on the basis of race, color, creed, or national origin. B. In determining whether rates …
La. Rev. Stat. § 22:1455 Repealed by Acts 2025, No
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§1455. Repealed by Acts 2025, No. 11, §2.
La. Rev. Stat. § 22:1456 Scope of rate regulation
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§1456. Scope of rate regulation A. This Subpart applies to fire, marine and transportation, title insurance, and casualty insurance risks or operations in this state. B.(1) For the purpose of this Subpart, fire insurance includes insurance coverage as defined in R.S. 22:47(10), (…
La. Rev. Stat. § 22:1457 Discounts; rate reductions
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§1457. Discounts; rate reductions A.(1) A rate reduction of up to ten percent shall be authorized by the commissioner, if actuarially justified, upon application of a rate filing by the carrier on motor vehicle liability and physical damage insurance where the insured and princip…
La. Rev. Stat. § 22:1458 Disclosure of financial condition for determination of rate increase
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§1458. Disclosure of financial condition for determination of rate increase The commissioner may require any insurer to furnish to him any financial information which he may request concerning the financial condition of the insurer. The commissioner may inspect records of an insu…
La. Rev. Stat. § 22:1459 Examinations and investigations; subpoena; discovery
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§1459. Examinations and investigations; subpoena; discovery While conducting any examination or investigation, under R.S. 22:1458 or otherwise as may be provided by provisions of this Subpart, the commissioner of insurance may obtain testimony or records or other materials under …
La. Rev. Stat. § 22:146 Nonforfeiture benefits
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§146. Nonforfeiture benefits A. From and after twelve o'clock noon of October 1, 1948, no policy of industrial life insurance, other than a term policy of twenty years or less, shall be issued or delivered in this state unless the same shall contain in substance the following pro…
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. § 22:1461.1 Redesignated as R.S
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§1461.1. Redesignated as R.S. 22:1486 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
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. § 22:1471.1 Redesignated as R.S
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§1471.1. Redesignated as R.S. 22:1895 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
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. § 22:1480 Repealed by Acts 2010, No
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§1480. Repealed by Acts 2010, No. 703, §2, eff. Jan. 1, 2011.
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…