HLS 14RS-530 ORIGINAL
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CODING: Words in struck through type are deletions from existing law; words underscored
are additions.
Regular Session, 2014
HOUSE BILL NO. 926
BY REPRESENTATIVE GAINES
INSURANCE/AUTOMOBILE: Prohibits insurance companies from using claims made by
an insured for damage to an auto as a result of a natural disaster to drop automobile
insurance
AN ACT1
To enact R.S. 22:1266(H), relative to automobile insurance; to prohibit an insurer from2
cancelling or failing to renew an automobile insurance policy due to a loss caused3
by an "Act of God"; to define "Act of God"; and to provide for related matters.4
Be it enacted by the Legislature of Louisiana:5
Section 1. R.S. 22:1266(H) is hereby enacted to read as follows: 6
ยง1266. Automobile, property, casualty, and liability insurance policies;7
cancellations8
* * *9
H. No insurer shall cancel or fail to renew an automobile insurance policy10
due to a loss caused by an "Act of God". An "Act of God" shall mean, in this11
Section, an incident due directly to natural causes and exclusively without human12
intervention.13
* * *14 HLS 14RS-530 ORIGINAL
HB NO. 926
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CODING: Words in struck through type are deletions from existing law; words underscored
are additions.
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)]
Gaines HB No. 926
Abstract: Prohibits an insurer from cancelling or failing to renew an automobile insurance
policy due to a loss caused by an "Act of God".
Present law prohibits an insurer from cancelling an automobile insurance policy except
under certain conditions.
Proposed law retains present law and adds a prohibition that an insurer may not cancel or fail
to renew an automobile insurance policy due to a claim made by the policyholder as a result
of an "Act of God".
Proposed law defines "Act of God" as an incident due directly to natural causes and
exclusively without human intervention.
(Adds R.S. 22:1266(H))