reglab/housing_qa huggingface dataset:
LA Rev Stat § 22:1287 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1287. Overpayments; surplus premium; endorsement credits

RS 1287 - Overpayments; surplus premium; endorsement credits All automobile insurers shall as soon as reasonably possible, but in no event later than sixty days, pay to the premium finance company, if the premium has been financed or if not financed, to the insured, or the person entitled thereto as shown by the automobile insurer's records any overpayment or surplus and commission paid or due on the policy. The failure to pay the person owed the money within the sixty-day period shall entitle that person to recover monetary penalties and interest. In the event the insured is due a credit from an endorsement or change to the policy, the return premium and commission shall be computed on a pro rata basis. However, when the insured continues to maintain a policy of insurance with the insurer, or an affiliated insurer, and the amount of the refund plus interest is twenty-five dollars or less, the insurer may credit the amount of the payment against future premiums. The insurer shall give written notice to the insured of the credit and the amount at policy renewal. Acts 1997, No. 1428, §1; Redesignated from R.S. 22:636.8 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009; Acts 2012, No. 55, §1.
LA Rev Stat § 22:1288 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1288. Discrimination in automobile liability insurance prohibited

RS 1288 - Discrimination in automobile liability insurance prohibited A. No insurer shall refuse to issue or renew, increase the premium, or cancel an automobile insurance policy solely because the insured is deaf or hard of hearing, provided such person is mentally and physically capable of driving an automobile and possesses a valid Louisiana operator's license issued by the office of motor vehicles of the Department of Public Safety and Corrections. B. Where the owner of the covered vehicle has a physical or mental disability that prevents him from operating his own motor vehicle, an insurance company issuing a policy of motor vehicle liability insurance shall not require the operator of the vehicle to carry liability insurance. Added by Acts 1982, No. 285, §1; Acts 1993, No. 552, §1; Redesignated from R.S. 22:652.2 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009; Acts 2010, No. 703, §1, eff. Jan. 1, 2011; Acts 2014, No. 811, §11, eff. June 23, 2014.
LA Rev Stat § 22:1289 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1289. Automobile policies; discrimination against paid or volunteer firemen prohibited

RS 1289 - Automobile policies; discrimination against paid or volunteer firemen prohibited No insurer doing business in this state who issues a personal automobile insurance policy to an insured who is a paid or volunteer fireman shall charge a higher premium rate, increase or add a surcharge, cancel, or fail to renew a policy for the insured, based solely on the insured's activities as a paid or volunteer fireman. Acts 1993, No. 41, §1; Acts 1995, No. 1098, §1; Redesignated from R.S. 22:1472 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1289.1 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1289.1. Automobile insurance policies; policy issuance based upon impending weather conditions

RS 1289.1 - Automobile insurance policies; policy issuance based upon impending weather conditions No insurer shall refuse to issue an automobile insurance policy providing collision or comprehensive coverage on a newly purchased motor vehicle, at the time of purchase of the automobile from a duly licensed motor vehicle dealer, to one of the insurer's existing automobile policyholders who is an otherwise qualified purchaser, based solely upon a named tropical storm or hurricane in the Gulf of Mexico. Acts 2009, No. 324, §1.
LA Rev Stat § 22:1290 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1290. Motor vehicle liability policy

RS 1290 - Motor vehicle liability policy No settlement made under a vehicle liability insurance policy for a claim against any insured thereunder arising from any accident or other event insured against for damage to or destruction of property owned by another person shall be construed as an admission of liability by the insured, or the insurer's recognition of such liability, with respect to any other claim arising from the same accident or event. Added by Acts 1966, No. 348, §1; Redesignated from R.S. 22:661 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009; Acts 2010, No. 703, §1, eff. Jan. 1, 2011.
LA Rev Stat § 22:1290.1 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1290.1. Repealed by Acts 2021, No. 21, §2, eff. June 1, 2021.

RS 1290.1 - Repealed by Acts 2021, No. 21, §2, eff. June 1, 2021.
LA Rev Stat § 22:1291 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1291. Automobile liability coverage; loaner vehicle; driver's policy primary policy

RS 1291 - Automobile liability coverage; loaner vehicle; driver's policy primary policy A. Notwithstanding any provision of the policy, the primary liability, physical damage, or collision coverage for a loaner vehicle shall be the policy of the driver, not the policy of the vehicle sales or service dealer who provided the loaner vehicle. B.(1) In this Section, "loaner vehicle" means any vehicle which is provided to an insured driver by a vehicle sales or service dealer for his temporary use as a replacement vehicle while the insured's vehicle is being serviced or repaired. The term shall also mean any vehicle which is provided to an insured driver by a vehicle service or sales dealer for the purpose of allowing the driver to demonstrate or test drive the vehicle. (2) In this Section, "vehicle sales or service dealer" means any person engaged in the business of selling, repairing, or servicing motor vehicles. Acts 1988, No. 756, §1; Acts 1997, No. 1060, §1; Redesignated from R.S. 22:671 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1292 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1292. Towing and storage of motor vehicles; insurance policies; storage fees; exceptions

RS 1292 - Towing and storage of motor vehicles; insurance policies; storage fees; exceptions A. A motor vehicle insurance policy shall not be construed to allow an insurer to assume or accede to the legal title of a motor vehicle without assuming credit obligations of the insured owner of the motor vehicle for charges for towing and storage services associated with the incident from which the insurance coverage arises. Such charges for storage services shall not exceed any maximum charge set by the Public Service Commission pursuant to its legal authority under R.S. 45:180.1, or as otherwise provided by law. B. An insurer which has succeeded to the title of a motor vehicle is not authorized to abandon such vehicle to a towing or storage service without consent of the provider of such service. C.(1) A debt incurred by or on behalf of a named insured for towing or storage services may be collected from an insurer which succeeds to the legal title of the motor vehicle covered under the policy for physical damage, property damage, or uninsured motorist coverage. (2) An insurer may be authorized by the provisions of a motor vehicle insurance policy to act for a named insured in any matter regarding the towing and storage of a covered disabled vehicle. D.(1) Repealed by Acts 1999, No. 1108, §3, eff. Jan. 1, 2000. (2) Any storage facility which charges and receives a fee in excess of that set in this Section shall return all storage fees received for storage of the vehicle for which an excess fee was charged and shall be subject to a fine not to exceed one hundred dollars. Each daily overcharge shall constitute a separate violation for which a fine may be assessed. (3) The daily storage fee shall be the only fee charged by the storage facility during storage of a vehicle. There shall be no additional charges for locating the vehicle in the storage facility, viewing of the vehicle, photography of the vehicle, removal of items from the vehicle, or for any other similar activity which does not require towing or moving of the vehicle during regular business hours. (4) Nothing in this Section shall be construed to diminish the authority of the Public Service Commission to regulate wreckers and towing services and their rates, fares, tolls, or charges as provided by R.S. 45:180.1. (5) For the purposes of this Section "inside" shall be limited to storage in or under a fixed structure. E. Repealed by Acts 2006, No. 628, §2. Acts 1990, No. 951, §§1, 3; Acts 1992, No. 375, §1; Acts 1999, No. 1108, §§1, 3 (§3 eff. Jan. 1, 2000); Acts 2006, No. 628, §§1, 2; Redesignated from R.S. 22:672 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1293 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1293. Automobile insurance; total loss provision

RS 1293 - Automobile insurance; total loss provision An insurer may use the cost to repair or replace airbags used or damaged in an automobile accident to determine if the automobile is a total loss under the total loss provisions of the insurance policy if the policyholder agrees in writing. As used in this Section a "total loss" provision is any provision in an automobile insurance contract that allows the insurer to purchase the vehicle from the insured in lieu of paying for damages to the vehicle. Nothing in this Section shall require an insurer to pay more than the actual cash value of the vehicle, including the value of the airbags. Acts 2005, No. 262, §1; Redesignated from R.S. 22:676 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1294 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1294. Automobile insurance; substitute vehicle; notice of discontinuance; payment to provider

RS 1294 - Automobile insurance; substitute vehicle; notice of discontinuance; payment to provider  A. Whenever any policy of automobile insurance provides a substitute vehicle for an insured, the insurer shall continue its payment for the substitute vehicle until either seventy-two hours after the named insured has been notified that the insurer will cease such payment or until the cost or time limits which the policy provides for substitute vehicles have been met, whichever is earlier. B. The notice provided by this Section shall not be required when the repair of the insured vehicle has been completed and the insured has received the repaired insured vehicle. C. The notice provided by this Section shall not be required when the insured requests the discontinuance of the substitute vehicle provided by the insurer. D. Whenever any policy of automobile insurance provides a substitute vehicle for an insured, the insurer shall guarantee payment at the request of the insured for use of such vehicle pursuant to the policy provisions and shall pay the provider of the vehicle directly for use of the substitute vehicle pursuant to the provisions of the policy. Acts 1988, No. 944, §1; Acts 1992, No. 868, §1; Redesignated from R.S. 22:1465 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1295.1 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1295.1. Excluded driver; named insured; liability

RS 1295.1 - Excluded driver; named insured; liability A. The named insured and the operator of a motor vehicle shall be solidarily liable for the damages caused by the operator's negligent or intentional act when the operator has been designated as a person excluded from coverage on the motor vehicle liability insurance policy pursuant to R.S. 32:900(L), and the operator is operating the vehicle with the express permission of the named insured. B. The liability of the named insured provided by this Section shall not exceed the mandatory minimum limits for automobile insurance as provided by R.S. 32:900, unless the named insured has a parent-child or tutorship relationship to the operator, or unless the named insured is otherwise vicariously liable for the acts or omissions of the operator excluded from coverage on the motor vehicle liability insurance policy pursuant to R.S. 32:900(L) or unless the named insured is responsible for the acts and omissions of the operator excluded from coverage on the motor vehicle liability insurance policy pursuant to R.S. 32:900(L). C. If the operator has been excluded pursuant to R.S. 32:900(L), the insurer shall not be liable, and no liability or obligation of any kind shall result to the insurer for bodily injury, loss, or damage under any coverage of the policy, nor shall the insurer be obligated to provide a defense or pay any costs of defense. Acts 2014, No. 21, §1.
LA Rev Stat § 22:1297 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1297. Damaged vehicle in storage facility; timely appraisal; penalties

RS 1297 - Damaged vehicle in storage facility; timely appraisal; penalties  A. Whenever a property damage claim on a personal vehicle is made by an insured or a third party claimant, and the damaged vehicle is located in a storage facility, the insurer responsible for payment of the claim shall cause an appraisal of the damaged vehicle to be made within ten working days of the date of notification of the location and availability of the vehicle. In the event the property damage is caused by a natural disaster or catastrophe or unusual circumstances, the appraisal requirement in this Section shall be twenty working days. B. Failure to make an appraisal within such time shall subject the insurer to a penalty, in addition to any other amounts owed, of ten percent of the value of the vehicle as determined by subsequent appraisal, or one thousand dollars, whichever is greater, payable to the insured or third party together with any appraisal fee, and all reasonable attorney fees incurred as a result of a violation of this Section. Acts 1992, No. 867, §1; Redesignated from R.S. 22:673 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1300.1 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1300.1. Short title

RS 1300.1 - Short title  This Subpart shall be known and may be cited as the "Peer-to-Peer Car Sharing Program Act".  Acts 2020, No. 277, §1.
LA Rev Stat § 22:1300.4 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1300.4. Notification of implications of lien

RS 1300.4 - Notification of implications of lien  When a vehicle owner registers as a shared vehicle owner on a peer-to-peer car sharing program and before a shared vehicle owner makes a shared vehicle available for sharing on the peer-to-peer car sharing program, a peer-to-peer car sharing program shall notify the shared vehicle owner that if the shared vehicle has a lien against it, the use of the shared vehicle through a peer-to-peer car sharing program, including use without physical damage coverage, may violate the terms of the contract with the lienholder.  Acts 2020, No. 277, §1.
LA Rev Stat § 22:1300.5 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1300.5. Exclusions in motor vehicle liability policy

RS 1300.5 - Exclusions in motor vehicle liability policy  A. An authorized insurer that writes motor vehicle liability insurance in this state may exclude any and all coverage and the duty to defend or indemnify for any claim afforded under a shared vehicle owner's motor vehicle liability policy, including but not limited to:  (1) Liability coverage for bodily injury and property damage.  (2) Uninsured and underinsured motorist coverage.  (3) Medical payments coverage.  (4) Comprehensive coverage.  (5) Collision coverage.  B. Nothing in this Subpart invalidates or limits an exclusion contained in a motor vehicle liability policy, including any policy in use or approved for use that excludes coverage for motor vehicles made available for rent, sharing, or hire or for any business use.  Acts 2020, No. 277, §1.
LA Rev Stat § 22:1300.6 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1300.6. Recordkeeping; use of vehicle in car sharing

RS 1300.6 - Recordkeeping; use of vehicle in car sharing  A peer-to-peer car sharing program shall collect and verify records pertaining to the use of a shared vehicle, including but not limited to times used, fees paid by the shared vehicle driver, and revenues received by the shared vehicle owner. The peer-to-peer car sharing program shall provide that information upon request to the shared vehicle owner, the shared vehicle owner's insurer, or the shared vehicle driver's insurer to facilitate a claim coverage investigation. The peer-to-peer car sharing program shall retain the records for at least the length of the liberative prescription period set forth in Civil Code Article 3492.  Acts 2020, No. 277, §1.
LA Rev Stat § 22:1300.7 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1300.7. Exemption; vicarious liability

RS 1300.7 - Exemption; vicarious liability  A peer-to-peer car sharing program and a shared vehicle owner shall be exempt from vicarious liability in accordance with 49 U.S.C. 30106 and pursuant to any state or local law that imposes liability solely based on vehicle ownership.  Acts 2020, No. 277, §1.
LA Rev Stat § 22:1300.8 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1300.8. Contribution against indemnification

RS 1300.8 - Contribution against indemnification  A motor vehicle insurer that defends or indemnifies a claim against a shared vehicle that is excluded under the terms of its policy shall have the right to seek contribution against the motor vehicle insurer of the peer-to-peer car sharing program if the claim is both of the following:  (1) Made against the shared vehicle owner or the shared vehicle driver for loss or injury that occurs during the car sharing period.  (2) Excluded under the terms of its policy.  Acts 2020, No. 277, §1.
LA Rev Stat § 22:1300.9 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1300.9. Insurable interest

RS 1300.9 - Insurable interest  A. Notwithstanding any other provision of law to the contrary, a peer-to-peer car sharing program shall have an insurable interest in a shared vehicle during the car sharing period.  B. Nothing in this Section creates liability on a peer-to-peer car sharing program to maintain the coverage mandated by R.S. 22:1300.3.  C. A peer-to-peer car sharing program may own and maintain as the named insured one or more policies of motor vehicle liability insurance that provides coverage for any of the following:  (1) Liabilities assumed by the peer-to-peer car sharing program under a peer-to-peer car sharing program agreement.  (2) Any liability of the shared vehicle owner.  (3) Damage or loss to the shared motor vehicle.  (4) Any liability of the shared vehicle driver.  Acts 2020, No. 277, §1.
LA Rev Stat § 22:1300.10 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1300.10. Consumer protections disclosures

RS 1300.10 - Consumer protections disclosures  Each car sharing program agreement made in this state shall disclose to the shared vehicle owner and the shared vehicle driver all of the following:  (1) Any right of the peer-to-peer car sharing program to seek indemnification from the shared vehicle owner or the shared vehicle driver for economic loss sustained by the peer-to-peer car sharing program resulting from a breach of the terms and conditions of the car sharing program agreement.  (2) That a motor vehicle liability policy issued to the shared vehicle owner for the shared vehicle or to the shared vehicle driver does not provide a defense or indemnification for any claim asserted by the peer-to-peer car sharing program.  (3) That the peer-to-peer car sharing program's insurance coverage on the shared vehicle owner and the shared vehicle driver is in effect only during each car sharing period and that, for any use of the shared vehicle by the shared vehicle driver after the car sharing termination time, the shared vehicle driver and the shared vehicle owner may not have insurance coverage.  (4) The daily rate, fees, and if applicable, any insurance or protection package costs that are charged to the shared vehicle owner or the shared vehicle driver.  (5) That the shared vehicle owner's motor vehicle liability insurance may not provide coverage for a shared vehicle.  (6) An emergency telephone number to personnel capable of fielding roadside assistance and other customer service inquiries.  (7) If there are conditions under which a shared vehicle driver must maintain a personal automobile insurance policy with certain applicable coverage limits on a primary basis in order to book a shared vehicle.  Acts 2020, No. 277, §1.
LA Rev Stat § 22:1300.11 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1300.11. Driver's license verification; data retention

RS 1300.11 - Driver's license verification; data retention  A. A peer-to-peer car sharing program shall not enter into a peer-to-peer car sharing program agreement with a driver unless the driver who will operate the shared vehicle meets one of the following criteria:  (1) Holds a driver's license issued pursuant to R.S. 32:402 that authorizes the driver to operate vehicles of the same class as the shared vehicle.  (2) Is a nonresident who meets both of the following criteria:  (a) Holds a driver's license issued by the state or country of the driver's residence that authorizes the driver in that state or country to drive vehicles of the same class as the shared vehicle.  (b) Is at least the same age as that required of a resident to drive vehicles of the same class as the shared vehicle.  (3) Otherwise is specifically authorized by R.S. 32:401 et seq. to drive vehicles of the same class as the shared vehicle.  B. A peer-to-peer car sharing program shall keep record of the following:  (1) The name and address of the shared vehicle driver.  (2) The number of the driver's license of the shared vehicle driver and each other person, if any, who will operate the shared vehicle.  (3) The place of issuance of the driver's license.  Acts 2020, No. 277, §1.
LA Rev Stat § 22:1300.12 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1300.12. Responsibility for equipment

RS 1300.12 - Responsibility for equipment  A peer-to-peer car sharing program shall have sole responsibility for any equipment, such as a global positioning system (GPS) system or other special equipment that is put in or on the vehicle to monitor or facilitate the car sharing transaction, and shall agree to indemnify and hold harmless the vehicle owner for any damage to or theft of the equipment during the car sharing period not caused by the vehicle owner. The peer-to-peer car sharing program has the right to seek indemnity from the shared vehicle driver for any loss or damage to such equipment that occurs during the sharing period.  Acts 2020, No. 277, §1.