Louisiana Insurance Code Title 22

What this document is

Louisiana Insurance Code Title 22 - payment and adjustment of claims other than life and health (22:1891 to 22:1898, incl. 22:1892) is a state statute published by Louisiana State Legislature (legis.la.gov), Louisiana Revised Statutes. It is one of the Louisiana documents that insurance license exam questions are written from, including louisiana property & casualty, louisiana personal lines practice questions. This page summarizes it and points to the official version, which is the text to rely on.

Sections cited in practice questions

Each practice answer shows the exact passage it comes from. These are sections of this document that questions cite, with a short excerpt from the source text.

• La. R.S. 22:1892(D)(1) (Claims payment; insurer may not require a repair shop)

  “When making a payment incident to a claim, no insurer shall require repairs be made to a motor vehicle, including window glass repairs or replacement, in a particular place or shop or by a particular entity.”

• La. R.S. 22:1893(B) (Claims involving immovable property; burden on the insurer)

  “If damage to immovable property is covered, in whole or in part, under the terms of the policy of insurance, the burden is on the insurer to establish an exclusion under the terms of the policy.”

• La. R.S. 22:1896(C) (Property claim adjustment; general business practice)

  “Any violations of this Section that are committed or performed with such frequency as to indicate a general business practice such as those enumerated in R.S. 22:1964(14) shall be subject to the provisions of R.S. 22:1964 et seq., the Unfair Trade Practices Act.”

• La. R.S. 22:1892(A)(1) (Payment and adjustment of claims; time for payment)

  “All insurers issuing any type of contract, other than those specified in R.S. 22:1811, 1821, and Chapter 10 of Title 23 of the Louisiana Revised Statutes of 1950, shall pay the amount of any claim due any insured within thirty days after receipt of satisfactory proofs of loss from the insured or any party in interest.”

• La. R.S. 22:1895 (Homeowner's insurance; claims payments and settlements)

  “No payment of a claim on a homeowner's insurance policy shall be considered a final settlement if the insurer fails to provide the insured with a statement that accurately reflects the amount paid under each category of coverage under the policy.”

• La. R.S. 22:1893(B)-(C) (Claims involving immovable property; burden on insurer)

  “B. If damage to immovable property is covered, in whole or in part, under the terms of the policy of insurance, the burden is on the insurer to establish an exclusion under the terms of the policy. C. Any clause, condition, term, or other provision contained in any policy of insurance which alters...”

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More Louisiana sources

• La. R.S. 22:1964: Methods, acts, and practices defined as unfair or deceptiveState statute
• La. R.S. Title 22, insurance contract and standard policy provisions: 22:861, 862, 863, 865, 866, 867, 884, 931, 942, 951 and 977State statute
• Louisiana Insurance Code - Group, Family Group, Blanket and Association Health and Accident Insurance (La. R.S. 22:978, 1000, 1003, 1003.1, 1024, 1025, 1045, 1046, 1061-1071)State statute
• Louisiana Insurance Code - Group Life Insurance (La. R.S. 22:941 through 22:945)State statute
• Louisiana Insurance Code - Health and Accident Insurance Policy Provisions (La. R.S. 22:971 through 22:995)State statute
• Louisiana Insurance Code - The Insurance Contract; Provisions Applicable to All Insurers (La. R.S. 22:851 through 22:890)State statute
• Louisiana Insurance Code - Life Insurance Policies and Annuity Contracts (La. R.S. 22:901-919, 22:931-936, 22:951-961)State statute
• Louisiana Life and Health Insurance Guaranty Association Law (La. R.S. 22:2081 through 22:2099)State statute