Bill > SB170

This bill amends Louisiana's auto insurance regulations to provide several consumer protections. The bill prohibits insurers from increasing premiums or taking adverse actions against policyholders based on specific circumstances, including: policy lapses within ten days of termination, nonfault incidents, the age of the insured (for those over 65), being deaf or hard of hearing, or working as a paid or volunteer fireman. The legislation also prevents insurers from refusing to issue collision or comprehensive coverage for a newly purchased vehicle solely due to an impending tropical storm or hurricane. Additionally, the bill mandates that auto insurance policies must be written in easily understandable language and cannot limit coverage amounts for named insureds, their spouses, family members, or permissive users below the policy's highest limit. The bill further restricts insurers from assuming legal title to a motor vehicle without taking on associated credit obligations and prohibits abandoning vehicles to towing or storage services without the service provider's consent. These changes aim to protect consumers from discriminatory insurance practices and ensure more transparent and fair auto insurance policies in Louisiana.

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https://www.legis.la.gov/legis/BillInfo.aspx?s=25rs&b=SB170&sbi=y