INSURANCE CLAIMS: Provides for fair claims processing. (8/1/25)
SB 111 requires insurance companies to respond to claims within 30 days after receiving complete information, directly affecting insurers and policyholders. The key provision adds a 30-day response timeline for insurers, clarifying that they must act within this period after claims are submitted (as amended in Senate floor action on May 6, 2025). It removes ambiguous language about third-party claimants and response deadlines. The bill passed the Senate with amendments and is now pending in the House.
Bill status
vetoed
4 of 5 stages cleared
Introduction
Apr 2025
Committee Review
May 2025
Senate Passage
May 2025
House Passage
May 2025
Vetoed
Jun 2025
Introduced Apr 3, 2025
Vetoed Jun 11, 2025
Maddy AI version diff · 3 comparisons
What changed between versions
SB111 Enrolled
→
SB111 Original
·
3 edits
MINOR
This bill updates the Louisiana statute governing insurance claims to clarify that misrepresenting relevant policy provisions is a breach of an insurer's duty of good faith. It also refines the specific conditions under which an insured cannot sue an insurer for bad faith, ensuring these protections only apply when there is a genuine dispute about liability, medical causation, or when the insurer has not had a fair chance to investigate the claim.
Scope change
The bill modifies the scope of the bad faith cause of action by clarifying the specific circumstances under which a lawsuit is barred, while adding a new provision to explicitly include misrepresentation of policy terms as a violation of the duty of good faith.
DEFINITION
Added a specific provision stating that misrepresenting relevant insurance policy provisions constitutes a breach of the insurer's duty of good faith and fair dealing.
REQUIREMENT
Reorganized and clarified the list of conditions under which an insured is barred from filing a bad faith lawsuit, ensuring the protections apply only when there is a good faith dispute over liability or medical causation, or when the insurer has not had adequate opportunity for discovery.
TECHNICAL
Removed redundant text regarding third-party offer procedures and updated the document header to reflect the 'Original' version of the bill.
Floor votes · Senate May 6, 2025 · House May 28, 2025
How they voted
25–11
Passed · 1 other
Total votes 37
May 6, 2025
D
Democratic11
90% Nay
R
Republican26
96% Yea
Vote distribution
All Yea
All Nay
Mixed
No data
Full legislative history
Actions timeline
Total actions
22
Key actions
4
Committee
4
Amendments
1
Jun 11, 2025
Vetoed
Veto message from the Governor received and read.
upper
May 28, 2025
Lower · Passed
Read third time by title, roll called on final passage, yeas 56, nays 44. Finally passed, ordered to the Senate.
lower
May 15, 2025
Introduced
Reported without Legislative Bureau amendments.
lower
May 14, 2025
Lower · Passed
Reported favorably (10-3). Referred to the Legislative Bureau.
lower
May 8, 2025
Committee
Read by title, under the rules, referred to the Committee on Insurance.
lower
May 6, 2025
Upper · Passed
Senate floor amendments read and adopted. Read by title and passed by a vote of 26 yeas and 13 nays; ordered reengrossed and sent to the House. Motion to reconsider tabled.
upper
Apr 30, 2025
Upper · Passed
Reported with amendments.
upper
Apr 14, 2025
Committee
Introduced in the Senate; read by title. Rules suspended. Read second time and referred to the Committee on Insurance.
upper
1 primary · 0 co-sponsors
Sponsors
Role
Legislator
Party
State
District
P
Alan Seabaugh
RRepublican
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