“These reforms put people before politics by bringing fairness to our courts, transparency to insurance, and real relief to Louisiana families." — Governor Jeff Landry 

 

  

 

 

A Historic Reform Effort 

Governor Landry has signed landmark legislation that marks the largest legal reform effort in Louisiana’s history. By raising the stakes for uninsured drivers, increasing transparency in medical billing, and empowering the Insurance Commissioner to fight unfair rate hikes, these reforms tackle the root causes of skyrocketing insurance costs and frivolous lawsuits. This momentous package and bipartisan effort move Louisiana forward by protecting families, reducing fraud, and restoring balance to the legal system, all thanks to Governor Landry’s bold leadership.  

    

 

2025 Insurance Bills Signed

Click Here To View 2024 Signed Insurance Bills

 

HB 434 NO PAY NO PLAY


Louisiana’s updated “No Pay, No Play” statute raises the recovery threshold for uninsured drivers from $15,000 to $100,000 for bodily injury and from $25,000 to $100,000 for property damage. This means that uninsured drivers involved in a motor vehicle accident cannot recover the first $100,000 in damages, regardless of fault.


 

HB 450 HOUSLEY PRESUMPTION


Eliminates the “Housley Presumption,” a judicial rule that assumes an injury is caused by an accident, not before or after the accident. By requiring plaintiffs to provide medical evidence that directly links their injuries to the accident, this will reduce frivolous lawsuits and ensure that only legitimate claims receive compensation.


 

SB 231 MEDICAL TRANSPARENCY/COLLATERAL SOURCE


Revises Louisiana’s collateral source rules to align more closely with those of Texas. The law means plaintiffs can only recover the actual amounts paid for medical services, rather than the inflated billed amounts. This reform aims to increase transparency in medical billing, prevent inflated claims, and contribute to the reduction of excessive insurance payouts.


 

HB 148 INSURANCE COMMISSIONER AUTHORITY


Enhances the powers of the Louisiana Commissioner of Insurance, granting the authority to reject excessive rate hikes and improve transparency within the insurance industry. The objective is to provide more robust oversight, ensuring that insurance companies operate fairly and that consumers are protected from unjustified premium increases.


 

HB 436 ILLEGAL ALIENS


Prevents undocumented immigrants who are injured in a car accident from collecting general damages.


 

HB 431 COMPARATIVE FAULT


Modifies Louisiana’s comparative fault rules to bar recovery if a plaintiff’s fault is 51% or more, and otherwise reduces damages in proportion to their fault, with jury instructions required.


 

HB 549 DASH CAM DISCOUNT


Requires insurance companies to offer premium discounts to commercial truck drivers who install and utilize operational dashboard cameras to provide clear evidence in the event of accidents, discourage fraudulent claims, and promote safer driving practices, ultimately benefiting both insurers and policyholders.


 

HB 519 DISTRACTED DRIVING


Prohibits the use of social media and texting while driving in Louisiana. By addressing distracted driving, this law intends to reduce the number of preventable accidents, enhance road safety, and potentially lower insurance costs associated with such incidents.


 

HB 496 TIME LAPSE PENALTY


Prohibits insurers from raising auto insurance rates or adding surcharges for a driver’s first lapse in coverage, allows increases for repeated lapses, and ensures that insurers cannot deny coverage or require switching providers solely due to a lapse.