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)]
HB 287 Original 2025 Regular Session Bacala
Abstract: Requires application of Arkansas, Mississippi, and Texas state laws in actions arising out
of an automobile accident involving a La. resident who has a policy from an insurer
domiciled in those states.
Proposed law requires Arkansas, Mississippi, and Texas substantive and procedural laws to apply
to actions arising from an automobile accident when an insured has a policy from an insurer
domiciled in those states. However, the two-year prescriptive period for delictual actions will apply
in these cases pursuant to present law (C.C. Arts. 3493.1 and 3493.2).
Proposed law permits an insurer or insurance agent or broker in La. to sell or offer policies from
foreign insurers to an insured or prospective insured.
Proposed law requires an insurer or insurance agent or broker in La. to provide a written disclosure
to the insured or prospective insured that includes all of the following information:
(1)The premium is issued by a foreign insurer.
(2)Foreign law would apply in the insured or prospective insured's cause of action.
(3)The insurance policy sold meets all regulations of their respective states.
Proposed law directs the La. State Law Institute to compile Arkansas, Mississippi, and Texas state
law to publish on its website by July 1, 2026.
Proposed law becomes effective only if it is determined that the base rate for liability coverage of
the top twenty private passenger automobile insurers by premium written have not decreased by at
least seven percent from Jan. 1, 2024, to Dec. 31, 2025.
Effective July 1, 2026.
(Adds C.C. Art. 3547.1)