reglab/housing_qa huggingface dataset:
LA Rev Stat § 22:1260.32 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1260.32. Definitions

RS 1260.32 - Definitions As used in this Subpart, the following words shall have the following meanings, unless the context clearly indicates otherwise: (1) "Enrollee" means a qualified individual or qualified employee enrolled in a qualified health plan. An enrollee is generally a person eligible for services covered by a specific health insurance plan in the exchange. (2) "Grace period" is a period that applies to recipients of advance payments of the premium tax credit allowed for certain individuals to purchase health insurance coverage on the exchange. The grace period provides three consecutive months for an enrollee to pay a delinquent premium when that enrollee has paid a premium at least one full month during the benefit year. The grace period begins when the enrollee fails to pay the premium for a particular month. (3) "Health insurance exchange" or "exchange" means a governmental agency or nonprofit entity that meets the applicable standards of the Patient Protection and Affordable Care Act and makes qualified health plans available to qualified individuals and qualified employers. (4) "Qualified health plan" means a health insurance plan that has in effect a certification that the qualified health plan meets applicable state or federal standards required for participation in a health insurance exchange. These may include minimum standards for essential health benefits, deductibles, copayments, out-of-pocket maximum amounts, and other requirements. (5) "Qualified health plan issuer" means a health insurance issuer that offers a qualified health plan in accordance with a certification from an exchange. Acts 2014, No. 174, §1.
LA Rev Stat § 22:1260.34 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1260.34. Strict compliance required

RS 1260.34 - Strict compliance required A qualified health plan issuer shall be obligated to pay for any covered claims for services rendered during a grace period if he has failed to strictly comply with the provisions of this Subpart. Such payment shall be in accordance with the terms of the qualified health plan. Acts 2014, No. 174, §1.
LA Rev Stat § 22:1260.35 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1260.35. Deadline for overpayment recoveries

RS 1260.35 - Deadline for overpayment recoveries If the qualified health plan issuer seeks to recoup or otherwise recover payments made to the physician or other healthcare provider for services furnished to an enrollee during the grace period and that enrollee's coverage is subsequently cancelled for nonpayment of premium, the qualified health plan issuer shall commence such recovery or recoupment efforts no later than sixty days after the expiration of the grace period. Any attempts to recover payments that are commenced subsequent to this sixty-day period shall be null and void. Acts 2014, No. 174, §1.
LA Rev Stat § 22:1260.36 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1260.36. Waiver prohibited

RS 1260.36 - Waiver prohibited The provisions of this Subpart cannot be waived by contract. Any contractual arrangements in conflict with the provisions of this Subpart or that purport to waive any requirements of this Subpart are null and void. Acts 2014, No. 174, §1.
LA Rev Stat § 22:1260.37 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1260.37. Injunction

RS 1260.37 - Injunction  Any physician or other healthcare provider may request a court of appropriate jurisdiction to issue an injunction to enforce any provision of this Subpart. Acts 2014, No. 174, §1.
LA Rev Stat § 22:1260.38 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1260.38. Rules and regulations

RS 1260.38 - Rules and regulations The commissioner of insurance shall promulgate all rules and regulations which are necessary and proper to carry out the provisions of this Subpart. All rules and regulations promulgated pursuant to this Subpart shall be in accordance with the Administrative Procedure Act. Acts 2014, No. 174, §1.
LA Rev Stat § 22:1261 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1261. Renewal of policy; increase in premiums prohibited

RS 1261 - Renewal of policy; increase in premiums prohibited A. Any insurance policy terminating by its terms at a specified expiration date and not otherwise renewable may be renewed or extended at the option of the insurer. Such renewal shall be made upon a currently authorized renewal form and at the premium rate then required for a specific additional period or periods by a certificate or by endorsement of the policy, and without requiring the issuance of a new policy. B. No insurer shall increase the premium charged for an automobile liability insurance policy at the time of renewal for any insured solely on the grounds that the insured's policy has lapsed if the policy is renewed within ten days after the date of termination. Acts 1958, No. 125; Acts 1997, No. 702, §1; Redesignated from R.S. 22:635 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009; Acts 2010, No. 703, §1, eff. Jan. 1, 2011.
LA Rev Stat § 22:1262 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1262. Annulment of liability policies

RS 1262 - Annulment of liability policies No insurance contract insuring against loss or damage through legal liability for the bodily injury or death by accident of any individual, or for damage to the property of any person, shall be retroactively annulled by any agreement between the insurer and insured after the occurrence of any such injury, death, or damage for which the insured may be liable, and any such annulment attempted shall be null and void. Acts 1958, No. 125; Redesignated from R.S. 22:639 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009; Acts 2010, No. 703, §1, eff. Jan. 1, 2011. NOTE: Former R.S. 22:1262 redesignated as R.S. 22:435 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1262.1 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1262.1. Redesignated as R.S. 22:436 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.

RS 1262.1 - Redesignated as R.S. 22:436 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1263 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1263. Premises used as polling places; prohibited provisions excluding or limiting coverage

RS 1263 - Premises used as polling places; prohibited provisions excluding or limiting coverage A. A provision in a liability or other insurance policy which excludes or limits coverage solely because premises are being used as a polling place in an election shall be null and void and unenforceable as contrary to public policy. B. The provisions of Subsection A shall apply to policies of insurance issued after July 6, 1988. Acts 1988, No. 257, §1, eff. July 6, 1988; Redesignated from R.S. 22:670 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009; Acts 2010, No. 703, §1, eff. Jan. 1, 2011. NOTE: Former R.S. 22:1263 redesignated as R.S. 22:437 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1263.1 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1263.1. Redesignated as R.S. 22:438 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.

RS 1263.1 - Redesignated as R.S. 22:438 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1264 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1264. Presumption of coverage

RS 1264 - Presumption of coverage A. For losses that arose due to a catastrophic event for which a state of disaster or emergency was declared pursuant to law by civil officials, for those areas within the declaration, no damages to covered property shall be automatically denied by the inability of the policyholder to provide sufficient proof of loss within the time limits and requirements of the policy. The time limit for the submission of proof of loss shall be not less than one hundred eighty days. The time limit shall not commence as long as a declaration of emergency is in existence and civil authorities are denying the insured access to the property. B. For losses that arose due to a catastrophic event for which a state of disaster or emergency was declared pursuant to law by civil officials, for those areas within the declaration, any policyholder with replacement cost provisions shall be entitled to complete repairs to the property within one year from the date of the loss or the issuance of applicable insurance proceeds, whichever is later. Adherence to this provision shall entitle the policyholder with a replacement cost provision to receive full value of the covered damage that has been repaired, without reduction due to depreciation. C. The provisions of this Section shall be applicable to all new policies and renewal policies delivered in the state of Louisiana after April 18, 2006. Acts 2006, 1st Ex. Sess., No. 23, §1; Redesignated from R.S. 22:682 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1267.1 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1267.1. Commercial insurance deductibles applied to named storm, hurricane, and wind and hail deductibles

RS 1267.1 - Commercial insurance deductibles applied to named storm, hurricane, and wind and hail deductibles  A. For purposes of this Section:  (1) "Hurricane" means a storm system that has been declared a hurricane by the National Hurricane Center of the National Weather Service.  (2) "Named storm" means a storm system that has been declared a named storm by the National Hurricane Center of the National Weather Service.  (3) "Separate deductible" means a deductible that applies to direct physical loss or damage resulting from a specified weather event and may be expressed as a percentage of the insured value of the property or as a specific dollar amount and includes hurricane, named storm, and wind and hail deductibles.  B. For all authorized commercial property insurance policies and authorized commercial multi-peril insurance policies issued or renewed by an authorized insurer on or after August 1, 2021, any separate deductible that applies in place of any other deductible to direct physical loss or damage resulting from a named storm or hurricane shall be applied on an annual basis to all named storm or hurricane losses that are subject to the separate deductible during the calendar year.  C. If an insured suffers direct physical loss or damage resulting from more than one named storm or hurricane during a calendar year that is subject to the separate deductible provided in Subsection B of this Section, the insurer may apply a deductible to any succeeding named storm or hurricane that is equal to the remaining amount of the separate deductible or the amount of the deductible that applies to all perils other than a named storm or hurricane, whichever is greater. Insurers may require commercial policyholders to maintain receipts or other records of any losses in order to apply any losses to subsequent named storm or hurricane claims.  D. If an insured pays a named storm or hurricane deductible for a covered loss as provided in this Section, but changes insurance companies during the calendar year for the previously claimed property or renews a policy which includes a deductible of a different amount, the insured is subject to a new named storm or hurricane deductible under the new or renewed insurance policy for that same property if the new policy includes such a deductible.  Acts 2021, No. 164, §1.
LA Rev Stat § 22:1268 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1268. Interest on refund; exception

RS 1268 - Interest on refund; exception A. Any refund due an insured by an insurer writing or delivering insurance policies excluding health insurance, life insurance, and annuities in the state because of either cancellation, elimination, or reduction of coverage by the insurer or the insured, shall be accompanied with interest at the rate of one and one-half percent per month of the amount of the refund due the customer, without the benefit of daily proration of this monthly interest, after thirty days of either of the following: (1) The delivery to the insured of the written notice of such cancellation, elimination, or reduction. (2) Delivery to the insurer's state, regional, or home office, from which such refund would issue, of the written request for such cancellation, elimination, or reduction. An insurer shall be deemed in compliance with this Section and not subject to the further accruement of interest by furnishing timely evidence of the mailing of such refund to the last known address of the insured. 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. B. The provisions of this Section shall not apply to those policies issued by an insurance company which require an audit. Added by Acts 1977, No. 338, §1; Acts 1996, 1st Ex. Sess., No. 71, §1, eff. May 10, 1996; Redesignated from R.S. 22:637.1 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009; Acts 2010, No. 703, §1, eff. Jan. 1, 2011; Acts 2012, No. 55, §1. NOTE: Former R.S. 22:1268 redesignated as R.S. 22:442 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1270 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1270. Personal property; specific coverage; valuation; exemptions

RS 1270 - Personal property; specific coverage; valuation; exemptions A. In any case in which a policy includes coverage for loss of or damage to personal property of the insured, from whatever cause, if the insurer places a valuation upon the specific item of covered property and uses such valuation for purposes of determining the premium charge to be made under the policy, the insurer shall compute any covered loss of or damage to such property which occurs during the term of the policy at such valuation without deduction or offset, unless a different method is to be used in the computation of loss, in which latter case, the policy, and any application for the policy, shall set forth in type of prominent size, the actual method of such loss computation by the insurer. B.(1) The provisions of this Section shall not apply to any of the following: (a) Insurance of the kind referred to in R.S. 22:47(3) when the coverage pertains to land vehicles. (b) Any property used primarily for business purposes. (c) Insurance on a group of items insured as contents insurance on household items, unless specifically insured under Subsection A of this Section. (2) However, nothing in this Subsection shall be so construed as to classify horses, breed bulls, show cattle, or registered dogs as being purchased or owned primarily for business purposes. Added by Acts 1974, No. 578, §1; Acts 1985, No. 985, §1; Redesignated from R.S. 22:667 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009; Acts 2010, No. 703, §1, eff. Jan. 1, 2011. NOTE: Former R.S. 22:1270 redesignated as R.S. 22:444 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1271 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1271. Identification of property upon which premium is due

RS 1271 - Identification of property upon which premium is due A. Any bill or other notice requiring payment of a premium for a policy of property or casualty insurance which is sent by an insurer to its policyholder shall identify the insured property sufficiently to allow the policyholder to identify the property upon which the premium is due. Such identification may be by description or may be by address if the property is real estate. B. The provisions of Subsection A of this Section shall not apply to bills for policies which are billed more often than semiannually or to bills for policies which insure multiple properties, locations, or vehicles. Acts 2006, No. 381, §1; Redesignated from R.S. 22:1478 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009. NOTE: Former R.S. 22:1271 redesignated as R.S. 22:445 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1281 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1281. Standard automobile insurance form

RS 1281 - Standard automobile insurance form The commissioner of insurance may promulgate such rules and regulations as necessary to establish reasonable standard provisions to be included in all policies of automobile insurance delivered or issued for delivery in this state. All such policies shall be written in language that can be easily understood by most automobile insurance consumers. Acts 1993, No. 959, §1; Redesignated from R.S. 22:622.1 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.
LA Rev Stat § 22:1282 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1282. Standard motor vehicle insurance form; prohibited provisions

RS 1282 - Standard motor vehicle insurance form; prohibited provisions No motor vehicle liability insurance policy nor any uninsured motorist coverage for bodily injury shall limit the coverage of, or the amount that can be recovered by, the named insured, or the spouse or other family member of the named insured, or express or implied permissive users, for whom the policy provides coverage, to any amount less than the highest policy limit provided in the policy for the respective coverage or potential recovery. Any recovery is limited to damages actually sustained. Any provision of a motor vehicle insurance policy issued in, or for delivery in, the state of Louisiana that is not in accord with this Section is contrary to the public policy of this state and shall be null, void, and unenforceable. Acts 2001, No. 1071, §1; Acts 2004, No. 395, §1; Acts 2005, No. 418, §1; Redesignated from R.S. 22:622.2 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009; Acts 2009, No. 280, §1.
LA Rev Stat § 22:1283 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1283. Proof of motorcycle endorsement

RS 1283 - Proof of motorcycle endorsement A. Each person who makes an application for issuance of a policy of insurance covering a motorcycle shall provide proof of the appropriate license endorsement required by R.S. 32:408(C). Such proof shall be provided to the insurer or its producer within ninety days of application for such policy. If the policy of insurance is issued by an insurer that does not maintain an office in this state, then the person may submit a sworn affidavit that he has the proper license endorsement to the insurer. B. In the case of an initial application for the endorsement, the insurer may issue a policy not to extend more than ninety days. C. In addition to any other applicable penalties, anyone in violation of this Section shall be subject to a fine of no more than five hundred dollars. Acts 2004, No. 378, §1; Redesignated from R.S. 22:622.3 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009; Acts 2010, No. 703, §1, eff. Jan. 1, 2011; Acts 2013, No. 101, §1.
LA Rev Stat § 22:1284 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1284. Motor vehicle insurance; consideration of nonfault incidents prohibited

RS 1284 - Motor vehicle insurance; consideration of nonfault incidents prohibited A. No insurer shall increase the rate, increase or add a surcharge, cancel, or fail to renew any policy of motor vehicle insurance when such action is based on consideration of one or more nonfault incidents. B. In this Section, "nonfault incident" means an accident, collision, or other incident involving a vehicle covered by a policy issued by the insurer in which the driver of the insured vehicle was not at fault, regardless of whether the incident was reported to any law enforcement agency. C. Any insurer who violates this Section shall refund to the insured person the amount of premium which was paid which exceeded the premium which would have been charged if the insurer had complied with this Section, together with a penalty payment in amount equal to triple the amount of the refund or one thousand dollars, whichever is greater. The insured shall also be entitled to attorney fees should he prevail. D. Notwithstanding any other provision of law to the contrary, one or more nonfault accidents or collisions shall not be the sole basis for an insurer's denial of an application for a policy of motor vehicle insurance nor shall such an accident or collision be considered by an insurer in determining the rates for such a policy. In addition, no insurer shall require that such coverage be provided by another insurer based solely upon such an accident or collision. Acts 1989, No. 578, §1; Acts 1992, No. 525, §1; Acts 1992, No. 832, §1; Redesignated from R.S. 22:1466 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009; Acts 2010, No. 703, §1, eff. Jan. 1, 2011.
LA Rev Stat § 22:1284.1 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1284.1. Motor vehicle insurance; consideration of lapse in coverage prohibited

RS 1284.1 - Motor vehicle insurance; consideration of lapse in coverage prohibited  A. No insurer shall increase the premium rate or increase or add a surcharge on any policy of motor vehicle insurance when such action is based solely on consideration of a lapse in coverage, as defined in this Section.  B. As used in this Section, a "lapse in coverage" is that period during which the owner of a motor vehicle ceases to maintain liability coverage on a vehicle, as required by the Motor Vehicle Safety Responsibility Law, by complying with the requirements of either of the following:  (1) R.S. 32:861(A)(3) relative to surrendering the vehicle's license plate to the office of motor vehicles.  (2) R.S. 32:861.1 relative to notifying the office of motor vehicles of service out-of-state in the uniformed services.  C. Any insurer who violates the provisions of this Section shall refund to the insured person the amount of premium paid in excess of the amount that would have been charged if the insurer had complied with this Section.  D. Notwithstanding any other provisions of law to the contrary, one or more lapses in coverage, as defined in this Section, shall not be the sole basis for an insurer's denial of an application for a policy of motor vehicle insurance nor shall such lapse in coverage be considered by an insurer in determining the rates for such a policy. In addition, no insurer shall require that such coverage be provided by another insurer based solely upon such a lapse in coverage.  Acts 2010, No. 636, §1; Acts 2020, No. 52, §1.
LA Rev Stat § 22:1285 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1285. Automobile insurance policies; refusal to issue or renew; age discrimination

RS 1285 - Automobile insurance policies; refusal to issue or renew; age discrimination No insurer shall refuse to issue or renew an automobile insurance policy to any person over the age of sixty-five based upon the age of the insured provided the insured 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 Louisiana Department of Public Safety and Corrections. Acts 1992, No. 331, §1; Redesignated from R.S. 22:635.1 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009; Acts 2010, No. 703, §1, eff. Jan. 1, 2011.
LA Rev Stat § 22:1286 (2021)
2021 Louisiana Laws|Revised Statutes|Title 22 - Insurance|§1286. Automobile insurance policies; increase in premium; age discrimination

RS 1286 - Automobile insurance policies; increase in premium; age discrimination No insurer shall increase the premium charged for an automobile liability insurance policy for any insured solely on the grounds that the insured has attained the age of sixty-five or older. Acts 1993, No. 205, §1; Redesignated from R.S. 22:635.2 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.