Senate Bill No. 170, introduced by Senator Allain, aims to amend and reenact several provisions of Louisiana's automobile insurance laws, specifically R.S. 22:1261, 1281, 1282, 1283(A), 1284(A), 1284.1(A) and (D), 1285, 1286, 1288(A), 1289, 1289.1, and 1292(A) and (B). The bill includes various technical changes to existing laws regarding the renewal of automobile insurance policies, the standardization of insurance forms, and the requirements for motorcycle endorsements. It also reinforces prohibitions against insurers raising premiums or denying coverage based on nonfault incidents, lapses in coverage, age, or certain disabilities, ensuring that policies remain accessible and fair for all consumers.

Key provisions of the bill include the stipulation that insurers cannot increase premiums for policies renewed within ten days of termination due to a lapse, nor can they refuse to issue or renew policies based on the insured's age or disability. Additionally, the bill prohibits insurers from charging higher premiums based on an insured's status as a paid or volunteer fireman and ensures that coverage cannot be denied based on impending weather conditions, such as named storms. Overall, the bill seeks to enhance consumer protections in the automobile insurance market while maintaining the integrity of existing regulations.

Statutes affected:
SB170 Original: 22:1283(A), 22:1284(A), 22:1(A), 22:1288(A), 22:1292(A)