The original instrument and the following digest, which constitutes no part of the
legislative instrument, were prepared by Beth O'Quin.
DIGEST
SB 117 Engrossed 2022 Regular Session Luneau
Present law requires insurers writing automobile liability insurance, physical damage insurance or
collision insurance is required to extend coverage for an insured's temporary use of a motor vehicle
as defined in the applicable insurance policy and to rental vehicles any and all coverage in effect in
the insured's original policy or policies. If an insured has coverage on a single or multiple vehicles,
at least one must have comprehensive, collision, or liability insurance coverage, and the coverages
shall apply to the temporary substitute vehicle, as defined in the applicable insurance policy, or rental
motor vehicle. Requires insurance is primary, except if other automobile insurance coverage or
financial responsibility protection is purchased by the insured for the temporary substitute or rental
motor vehicle, then that coverage is primary. Further, the coverage purchased by the insured is not
considered a collateral source.
Proposed law retains present law but requires an insurer to define temporary use of a motor vehicle
is no more restrictive than the motor vehicle is a privately owned motor vehicle that is not owned
by, furnished, or available for regular use by the insured while in the custody of or being operated
by the insured.
Effective on August 1, 2022.
(Amends R.S. 22:1296(A))