Louisiana Insurance Regulations

Overview

Louisiana Department of Insurance regulates one of the most unique insurance markets in the US. Louisiana follows civil law (Napoleonic Code) and moved to a 2-year prescriptive period for tort claims arising on or after July 1, 2024 (1 year before that), plus a direct action statute allowing consumers to sue insurers directly.

Key Insurance Regulations in Louisiana

• 2-year prescriptive period for tort claims over injury or damage sustained on or after July 1, 2024 (La. Civ. Code art. 3493.1); 1 year for earlier crashes
• Mandatory auto insurance: 15/30/25 minimum liability
• Direct action statute — can sue insurer directly

Filing an Insurance Complaint in Louisiana

If you believe your insurance company has acted unfairly or violated Louisiana insurance laws, you can file a complaint with the Louisiana Department of Insurance. The department investigates consumer complaints and can take enforcement action against insurers that violate state regulations.

Before filing a complaint, make sure you have documented all communication with your insurance company, including claim numbers, dates, and the names of representatives you've spoken with. The Louisiana Department of Insurance typically responds to complaints within 30 days.