SLS 20RS-83 REENGROSSED
2020 Regular Session
SENATE BILL NO. 16
BY SENATORS LUNEAU AND ROBERT MILLS
INSURANCE RATES. Prohibits insurance rate determinations based on risk classifications
due to the fact that the insured is deployed in the military in excess of six months. (8/1/20)
1 AN ACT
2 To enact R.S. 22:1482(D) and 1482.1(C), relative to rating standards and methods; to
3 prohibit the determination of rate classifications based on the deployment of the
4 insured in the military for at least six months; and to provide for related matters.
5 Be it enacted by the Legislature of Louisiana:
6 Section 1. R.S. 22:1482(D) and 1482.1(C) are hereby enacted to read as follows:
7 §1482. Military personnel premium discount; rebates; rating standards and
8 methods
9 * * *
10 D. Except for the purpose of administering the military personnel
11 premium discounts set forth herein and in R.S. 22:1482.1, the fact that the
12 insured is deployed in the military for a period in excess of six months shall not
13 be used by any insurer for the classification of risks.
14 * * *
15 §1482.1. Military personnel premium discount for homeowner's insurance; rating
16 standards and methods
17 * * *
Page 1 of 2
Coding: Words which are struck through are deletions from existing law;
words in boldface type and underscored are additions. SB NO. 16
SLS 20RS-83 REENGROSSED
1 C. Except for the purpose of administering the military personnel
2 premium discounts set forth herein and in R.S. 22:1482, the fact that the
3 insured is deployed in the military for a period in excess of six months shall not
4 be used by any insurer for the classification of risks.
The original instrument was prepared by Thomas L. Tyler. The following
digest, which does not constitute a part of the legislative instrument, was
prepared by Christine Arbo Peck.
DIGEST
SB 16 Reengrossed 2020 Regular Session Luneau
Present law authorizes every motor vehicle insurer authorized to transact business in this
state to provide a 25% premium discount on automobile liability insurance purchased in this
state to active military personnel based in the state.
Proposed law provides that except for administering military personnel premium discounts,
the fact that an insured is deployed in the military for a period in excess of six months shall
not be used by the insurer for the classification of risk.
Present law authorizes every homeowner's insurer authorized to transact business in this
state to provide a ten percent premium discount on any homeowner's policy purchased in this
state to cover immovable property owned by active military personnel based in the state.
Proposed law provides that except for administering military personnel premium discounts,
the fact that an insured is deployed in the military for a period in excess of six months shall
not be used by the insurer for the classification of risk.
Effective August 1, 2020.
(Adds R.S. 22:1482(D) and 1482.1(C))
Summary of Amendments Adopted by Senate
Senate Floor Amendments to engrossed bill
1. Stipulates that except for administering the military premium discount, the
deployment of active military personnel in excess of six months is not to be
used by the insurer for the classification of risk as to automobile liability
insurance.
2. Stipulates that except for administering the military premium discount, the
deployment of active military personnel in excess of six months is not to be
used by the insurer for the classification of risk as to homeowner's insurance
on immovable property owned by the military personnel.
Page 2 of 2
Coding: Words which are struck through are deletions from existing law;
words in boldface type and underscored are additions.