INSURANCE: Prohibits an insurer from utilizing a rating factor in an automobile insurance rate filing

Prohibits insurers from including any rating factor in automobile insurance rate filings that relies solely on loss experience from catastrophes or natural disasters that exclusively impacted other lines of insurance.

Clarifies that the prohibition on catastrophe-based rating factors does not apply to multi-line insurance policies.

Corrects the bill number in the header from 'HB 413' to 'HLS 26RS-1060' and updates the sponsor list to reflect only Representative Carver.

Adds a new digest section explaining the bill's purpose and legal context, which was not present in the enrolled version.

Removed the 'ENGROSSED' designation and replaced it with 'ENROLLED' to indicate the bill is in its final form ready for the Governor's signature.

Added Representative Chassion as a co-sponsor alongside Representative Carver.

Removed the legislative digest and abstract sections, which are informational summaries not part of the final law.

Added signatures and titles for the Speaker of the House, President of the Senate, and Governor, indicating the bill has passed both legislative chambers and been approved by the Governor.