House Bill No. 706, introduced by Representative Jordan, amends existing Louisiana law regarding automobile liability insurance by mandating that all such policies include uninsured motorist coverage. The bill repeals previous provisions that allowed for the rejection of this coverage or the selection of economic-only uninsured motorist coverage, thereby ensuring that all drivers are protected against damages caused by uninsured or underinsured motorists. Additionally, the bill makes technical changes to clarify the requirements for insurers and the definitions related to uninsured motorist coverage.

The proposed law retains certain aspects of the current law, such as the definition of "uninsured motor vehicle" and the stipulation that coverage must be provided at least at the limits of bodily injury liability. It also specifies that insurers must provide coverage for the actual cash value of a vehicle or the minimum property damage liability required by law, unless the named insured has rejected this coverage. Overall, the bill aims to enhance the protection of insured individuals by ensuring that uninsured motorist coverage is a standard component of automobile liability insurance policies in Louisiana.

Statutes affected:
HB706 Original: 22:1295(1)