Louisiana Revised Statutes 22:1296.1 – A. An approved insurance company, reciprocal or exchange, writing automobile liability, uninsured, underinsured, or medical payments coverage shall not exclude the benefits of such c
Terms Used In Louisiana Revised Statutes 22:1296.1
- Policy: means an automobile liability, automobile physical damage, or automobile collision policy, or any combination thereof, delivered or issued for delivery in this state, or any binder based on such a policy, insuring a single individual or husband and wife resident of the same household, as named insured, and under which the insured vehicles therein designated are of the following types only:
(a) A private passenger vehicle that is not used as a public or livery conveyance for passengers, nor rented to others. See Louisiana Revised Statutes 22:1266
A. An approved insurance company, reciprocal or exchange, writing automobile liability, uninsured, underinsured, or medical payments coverage shall not exclude the benefits of such coverage under its policy to an insured operating a vehicle not owned by the insured if all of the following requirements are satisfied:
(1) The coverage is in full force and effect.
(2) The insured is operating a vehicle not owned by the insured with the express or implied permission of the vehicle’s owner.
(3) The vehicle not owned by the insured that is being operated by the insured is not provided, furnished, or available to the insured on a regular basis.
B. Coverage provided pursuant to this Section shall be secondary to the vehicle owner’s insurance policy.
C. If the coverage provided pursuant to this Section is included within the coverage provided pursuant to La. Rev. Stat. 22:1296, the provisions of La. Rev. Stat. 22:1296 shall determine which coverage is primary.
Acts 2022, No. 77, §1; Acts 2022, No. 93, §1.