Bill > SB111

This bill amends Louisiana insurance law to modify provisions related to claims processing and good faith duties of insurers. Specifically, the bill clarifies that misrepresentations of policy provisions or facts can constitute a breach of an insurer's good faith duties. The bill introduces new limitations on causes of action for personal injury or bodily injury claims, establishing that no such action can be brought against an insurer under certain conditions, including: when there is a good faith dispute about liability or medical causation, when a third-party claimant has not made an offer within policy limits (and the insurer has been given at least 30 days to respond), or when the insurer has not had adequate opportunity to conduct discovery. Additionally, the bill explicitly states that a legal action cannot be brought against an individual insurance representative separately from an action against the insurance company itself. These changes aim to provide more clarity and protection for insurers in claims processing, while maintaining standards for fair treatment of claimants.

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https://www.legis.la.gov/legis/BillInfo.aspx?s=25rs&b=SB111&sbi=y