The original instrument and the following digest, which constitutes no part of the
legislative instrument, were prepared by Beth O'Quin.
DIGEST
SB 499 Engrossed 2024 Regular Session Reese
Present law requires an insurer to automatically provide uninsured motorist liability coverage unless
the insured rejects the coverage.
Proposed law changes uninsured motorist coverage from being automatically provided to a coverage
an insured may select if the insurer offers uninsured motorist liability coverage.
Present law requires the commissioner to create a form for uninsured motorist coverage. Present law
provides that if the insured or his legal representative does not reject or select uninsured motorist
coverage, the named insured is automatically covered for uninsured motorist coverage. Present law
removes uninsured motorist requirements when the named insured selects lower limits in connection
with a policy previously issued to him.
Proposed law repeals present law.
Present law provides uninsured motorist physical damage coverage.
Proposed law repeals present law.
Present law provides an automobile liability policy written to provide coverage for a school bus may
limit the scope of uninsured motorist coverage.
Proposed law repeals present law.
Present law requires insurers to offer uninsured motorist coverage and authorizes the insurer to offer
an optional arbitration provision. Present law provides the courts cannot be deprived of their
jurisdiction pursuant to present law.
Proposed law retains present law but removes that insurers are required to offer uninsured motorist
coverage. Proposed law makes technical changes.
Present law provides a rental company may be exempt from the requirement that they must offer
uninsured motorist coverage which is required to be offered under present law.
Proposed law repeals present law.
Effective August 1, 2024.
(Amends R.S. 22:1295(1)(a) and (e), (4), and (5) and 1296(B)(intro para); repeals R.S. 22:1295(1)(d)
and 1296(B)(4)) Summary of Amendments Adopted by Senate
Committee Amendments Proposed by Senate Committee on Insurance to the original bill
1. Make technical changes.
2. Change the uninsured motorist requirement from shall to if elected.
3. Remove uninsured motorist requirements when the named insured selects lower
limits in connection with a policy previously issued to him.