Urges the Commissioner of Insurance to develop outreach initiatives to assist seniors and special needs individuals after a presidentially or gubernatorially declared disaster or emergency.
Impact
The proposal aligns with existing consumer protection measures established in Louisiana, which mandate that policyholders are treated fairly and without deception by their insurers. If implemented, these initiatives could lead to enhanced support for seniors and special needs individuals, particularly in the aftermath of significant disasters such as hurricanes. Educational programs could provide crucial information on the claims process, making it easier for affected individuals to understand their rights and the requirements to file claims effectively.
Summary
Senate Resolution No. 144 urges the Commissioner of Insurance to develop outreach initiatives aimed at assisting seniors and individuals with special needs in understanding the property damage claims process following a presidentially or gubernatorially declared disaster. The resolution recognizes that these groups often struggle to navigate the complexities of the insurance claims process, especially during times of crisis when they may feel overwhelmed and vulnerable. By promoting clear communication and assistance, the resolution aims to ensure fair treatment for these individuals and protect their rights under Louisiana law.
Sentiment
Overall, the sentiment surrounding SR144 is positive, as it addresses a critical need for increased support and understanding of insurance processes for vulnerable populations. Legislators and advocacy groups concerned with consumer rights likely view this resolution favorably, highlighting the importance of empowering seniors and those with special needs during challenging times. The initiative is seen as a step toward compassionately ensuring that these individuals are not taken advantage of by insurers during some of their most vulnerable moments.
Contention
While the resolution itself has garnered broad support, potential points of contention could arise surrounding the implementation of the outreach initiatives. Differences in opinion may exist regarding the allocation of resources and the effectiveness of proposed educational programs. Stakeholders may debate how best to reach these populations and whether the initiatives can adequately address the variable needs of individuals after disasters.
Urges the Commissioner of Insurance to study the issue of insurers failing to timely pay property damage claims after a presidentially or gubernatorially declared disaster or emergency.
Provides an unfair trade practice if an insurer takes advantage of an insured who is a senior or a special needs individual during a disaster or declared emergency. (8/1/22)
Provides relative to donations received by public servants for the purposes of disaster aid or relief to provide aid or to offset losses resulting from a gubernatorially declared disaster or emergency
Urges the Commissioner of Insurance to study the issue of notice of cancellation or nonrenewal of a property insurance policy that provides coverage for property damaged by a named storm or windstorm.
Requests the La. Department of Health to develop a proposal for a statewide hospital coordination plan for use in disasters and other emergency situations