Senate Bill No. 111, introduced by Senator Seabaugh, aims to amend and reenact specific provisions of Louisiana's insurance claims law, particularly R.S. 22:1892. The bill clarifies that a misrepresentation of relevant insurance policy provisions constitutes a breach of the insurer's duty of good faith and fair dealing. Additionally, it introduces new limitations on causes of action against insurers, specifying conditions under which no cause of action can be established, such as when there is a good faith dispute regarding liability or medical causation, or when the insurer has not had the opportunity to conduct adequate discovery.

Furthermore, the bill enacts a new provision stating that there shall not be a separate cause of action against an insurer's representative that is distinct from the cause of action against the insurer itself. These changes are set to take effect on August 1, 2025, and are intended to promote fair claims processing while providing clearer guidelines for both insurers and claimants regarding their rights and responsibilities.

Statutes affected:
SB111 Original: 22:1892(I)(2)