Title 22, Insurance

0 chapters · 2,651 sections in this title.

2,651 sectionsFiltered byTitle 22

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. § 22:1486 Redesignated as R.S
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§1486. Redesignated as R.S. 22:75 by Acts 2010, No. 703, §3, eff. Jan. 1, 2011.
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. § 22:1489 Redesignated as R.S
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§1489. Redesignated as R.S. 22:1509 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
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. § 22:1490 Redesignated as R.S
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§1490. Redesignated as R.S. 22:1510 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1491 Redesignated as R.S
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§1491. Redesignated as R.S. 22:1511 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1492 Redesignated as R.S
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§1492. Redesignated as R.S. 22:1512 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1493 Redesignated as R.S
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§1493. Redesignated as R.S. 22:1513 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1494 Redesignated as R.S
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§1494. Redesignated as R.S. 22:1514 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:15 Repealed by Acts 2009, No
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§15. Repealed by Acts 2009, No. 503, §2.
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…
La. Rev. Stat. § 22:1513 Severability
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§1513. Severability If any portion of this Subpart is declared invalid due to an interpretation of or a future change in the federal Fair Credit Reporting Act, the remaining parts thereof shall be in no manner affected thereby but shall remain in full force and effect. Acts 2003,…
La. Rev. Stat. § 22:1513.1 Redesignated as R.S
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§1513.1. Redesignated as R.S. 22:1155 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1514 Applicability
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§1514. Applicability This Subpart shall apply to personal insurance policies either written to be effective or renewed on or after nine months from August 15, 2003. Acts 2003, No. 1256, §1; Redesignated from R.S. 22:1494 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009. NOTE: Former …
La. Rev. Stat. § 22:1514.1 Redesignated as R.S
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§1514.1. Redesignated as R.S. 22:1582 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1514.2 Redesignated as R.S
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§1514.2. Redesignated as R.S. 22:1583 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1514.3 Redesignated as R.S
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§1514.3. Redesignated as R.S. 22:1584 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1514.4 Redesignated as R.S
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§1514.4. Redesignated as R.S. 22:1585 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1521 Title of Part
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§1521. Title of Part This Part shall be known and may be cited as the "Louisiana Collision Damage Waiver Law". Acts 1989, No. 773, §2, eff. Jan. 1, 1990; Redesignated from R.S. 22:2091.1 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009. NOTE: Former R.S. 22:1521 redesignated as R.S. …
La. Rev. Stat. § 22:1522 Scope
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§1522. Scope This Part shall apply to all persons in the business of leasing rental motor vehicles from locations in this state under an agreement which imposes upon the lessee an obligation to pay for any damages caused to the leased vehicle. The provisions of this Part apply so…
La. Rev. Stat. § 22:1523 Definitions
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§1523. Definitions A. "Collision damage waiver" means any contract or contractual provision, whether separate from or a part of a motor vehicle rental agreement, whereby the lessor agrees for a charge, to waive any and all claims against the lessee for any damages to the rental m…
La. Rev. Stat. § 22:1524 Notice required; application; fee
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§1524. Notice required; application; fee A. No lessor shall issue or offer to issue a collision damage waiver in Louisiana until a notice has been filed with the commissioner of insurance as provided in this Part. Notice shall be filed in writing, in a form prescribed by the comm…
La. Rev. Stat. § 22:1525 Collision damage waiver; form filing requirements
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§1525. Collision damage waiver; form filing requirements A. No lessor shall deliver or issue for delivery in this state a rental motor vehicle agreement containing a collision damage waiver unless such agreement is filed with the commissioner at least thirty days prior to its eff…
La. Rev. Stat. § 22:1526 Unfair trade practices
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§1526. Unfair trade practices The commissioner may order any lessor which has filed a notice pursuant to this Part, or its officials and representatives, to cease and desist from engaging in the following unfair trade practices: (1) The making of any false or misleading statement…
La. Rev. Stat. § 22:1527 Application of insurance laws
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§1527. Application of insurance laws Except as otherwise specifically provided in this Part, none of the other provisions of this Title shall apply to collision damage waivers. None of the provisions of this Part shall apply to the issuance of collision insurance underwritten by …
La. Rev. Stat. § 22:1528 Injunctions
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§1528. Injunctions The commissioner may seek temporary and permanent injunctions restraining violations or attempted violations of this Part in the Nineteenth Judicial District Court. Acts 1989, No. 773, §2, eff. Jan. 1, 1990; Redesignated from R.S. 22:2091.8 by Acts 2008, No. 41…
La. Rev. Stat. § 22:1529 Penalties
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§1529. Penalties A. Any lessor who is found by the commissioner to have violated or attempted to violate any provision of this Part, may be subject to a penalty under this Section, as determined by the commissioner. Each issuance, procurement, or negotiation of a single collision…
La. Rev. Stat. § 22:1530 Taxes
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§1530. Taxes The rates charged for the collision damage waiver by a licensee under this Part shall be exempt from insurance taxes and insurance taxation provided that sales taxes in effect in the locale of rental contract issuance are applied, collected, and remitted to the prope…
La. Rev. Stat. § 22:1531 Redesignated as R.S
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§1531. Redesignated as R.S. 22:49 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1532 Redesignated as R.S
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§1532. Redesignated as R.S. 22:722 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1533 Redesignated as R.S
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§1533. Redesignated as R.S. 22:723 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1535 Redesignated as R.S
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§1535. Redesignated as R.S. 22:991 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
La. Rev. Stat. § 22:1541 Purpose and scope
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§1541. Purpose and scope This Subpart shall govern the qualifications and procedures for the licensing of insurance producers. These provisions shall apply to any and all lines of insurance and types of insurers as set forth in this Subpart. Acts 2001, No. 158, §1, eff. Jan. 1, 2…
La. Rev. Stat. § 22:1542 Definitions
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§1542. Definitions As used in this Subpart, unless the context requires otherwise, the following definitions apply: (1) "Authorized insurer" shall have the same definition as set forth in R.S. 22:46. (2) "Business entity" shall mean a corporation, association, partnership, limite…