DIGEST
The digest printed below was prepared by House Legislative Services. It constitutes no part of
the legislative instrument. The keyword, one-liner, abstract, and digest do not constitute part of
the law or proof or indicia of legislative intent. [R.S. 1:13(B) and 24:177(E)]
Stokes HB No. 1203
Abstract: Prohibits insurers from using claims which do not exceed an insured's deductible as
grounds for cancellation of coverage of homeowner's insurance or automobile insurance.
Present law provides that a homeowner's insurer shall not use two or more claims in a three year
period attributable to an Act of God as grounds for canceling or failing to renew a homeowner's
policy
Proposed law retains present law and additionally provides that an insurer shall not use claims
that did not exceed the insured's deductible and on which the insurer made no payments as
grounds for canceling or failing to renew a homeowner's policy.
Present law provides that an insurer shall not cancel an automobile policy solely on the grounds
that the insured submitted a claim for damage under the policy.
Proposed law retains present law and additionally provides that an insurer shall not use claims
that did not exceed the insured's deductible and on which the insurer made no payments as
grounds for canceling the policy or increasing the insured's premium.
(Amends R.S. 22:1265(D) and 1266(L))