Senate Bill No. by Senator Seabaugh amends and reenacts specific provisions of Louisiana's insurance law, particularly R.S. 22:1892, which addresses the payment and adjustment of insurance claims. The bill modifies the definition of a breach of good faith duty by insurers, specifically changing the language regarding misrepresentation of facts related to coverages. It removes the phrase "or insurance policy provisions" and replaces it with "or a misrepresentation of relevant insurance policy provisions." Additionally, the bill introduces new limitations on causes of action against insurers, stating that certain conditions, such as good faith disputes regarding liability or medical causation, will not create a cause of action for personal injury claims.

Furthermore, the bill establishes that the provisions regarding breaches of good faith duty do not create a separate cause of action against an insurer's representative that is distinct from the action against the insurer itself. This aims to streamline the claims process and clarify the responsibilities of insurers and their representatives in handling claims. Overall, the bill seeks to enhance the regulatory framework governing insurance claims while providing clearer guidelines on the duties and limitations of insurers.

Statutes affected:
SB111 Original: 22:1892(I)(2)
SB111 Engrossed: 22:1892(I)(2)
SB111 Reengrossed: 22:1892(I)(2)
SB111 Enrolled: 22:1892(I)(2)