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 HCR No. 199 Urges and requests the Department of Insurance to conduct a study of whether insurers should be allowed to consider claims on which no money has been paid by the insurer either to the insured or on behalf of the insured as grounds for canceling or failing to renew a homeowner's policy of insurance, for increasing the deductible for a homeowner's policy, or for increasing the premium of an automobile insurance policy.