Louisiana Insurance Code Title 22

What this document is

Louisiana Insurance Code Title 22 - property, casualty, automobile, fire and homeowners insurance contracts: cancellation and nonrenewal, commercial insurance, standard fire policy, valued policy law, uninsured motorist coverage, homeowners (22:1261 to 22:1340) 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. 22:1318(A) (Valued policy clause; total loss valuation)

  “in the case of total loss the insurer shall compute and indemnify or compensate any covered loss of, or damage to, such property which occurs during the term of the policy at such valuation without deduction or offset, unless a different method is to be used in the computation of loss, in which...”

• La. R.S. 22:1313(C) (Standard fire policy; failure to attach)

  “Failure to attach the standard fire policy as provided in R.S. 22:1313(B) shall not affect the rights of the insured under the standard fire policy and the provisions of the standard fire policy shall become a part of the contract and shall prevail.”

• La. R.S. 22:1266(L) (Automobile policies; cancellation for a single claim)

  “No insurer shall cancel an automobile insurance policy for any insured solely on the ground that the insured has submitted a single claim under the policy for damage incurred or arising from the operation of an automobile.”

• La. R.S. 22:1267(D)(1) (Commercial insurance; changes that are not refusals to renew)

  “In addition, changes in the deductible, changes in rate, changes in the amount of insurance, or reductions in policy limits or coverage shall not be refusals to renew.”

• La. R.S. 22:1265(C) (Homeowner's policy; all-terrain vehicle ownership)

  “No insurer providing property, casualty, or liability insurance shall cancel or refuse to issue or fail to renew a homeowner's policy solely on the basis that the insured owns or possesses an all-terrain vehicle (ATV).”

• La. R.S. 22:1336 (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 of God".”

• La. R.S. 22:1337(B) (Homeowners; named storm deductible applied annually)

  “any separate deductible that applies in place of any other deductible to loss or damage resulting from a named storm or hurricane shall be applied on an annual basis to all named-storm or hurricane losses that are subject to the separate deductible during the calendar year.”

• La. R.S. 22:1295(1)(a)(ii) (Uninsured motorist coverage; rejection on the prescribed form)

  “Such rejection, selection of lower limits, or selection of economic-only coverage shall be made only on a form prescribed by the commissioner. The prescribed form shall be provided by the insurer and signed by the named insured or his legal representative.”

• La. R.S. 22:1295.1(C) (Excluded driver; insurer not liable)

  “If the operator has been excluded pursuant to R.S. 32:900(L), the insurer shall not be liable, and no liability or obligation of any kind shall result to the insurer for bodily injury, loss, or damage under any coverage of the policy, nor shall the insurer be obligated to provide a defense or pay any costs of defense.”

• La. R.S. 22:1338(A) (Additional living expense; advance after total loss)

  “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 estimated value of three months of increased cost of living expenses”

• La. R.S. 22:1272(B)(1) (Defense costs; coverages for which waiver is barred)

  “The commissioner shall not waive the prohibition in Subsection A of this Section for any of the following types of insurance coverage: (a) All personal lines. (b) Medical malpractice.”

• La. R.S. 22:1294(A) (Automobile insurance; substitute vehicle; notice of discontinuance)

  “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 hours after the named insured has been notified that the insurer will cease such payment or until the cost or time...”

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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