AUTOMOBILE INSURANCE: Provides relative to auto insurance. (8/1/26)

SB 177 amends Louisiana's auto insurance laws to strengthen consumer protections. It prohibits insurers from raising premiums for policies renewed within 10 days after a lapse, banning rate increases based on non-fault incidents, and preventing discrimination against drivers over 65, those who are deaf/hard of hearing, or volunteer firefighters. The bill also requires policies to use clear language, mandates proof of motorcycle licensing for coverage, and stops insurers from denying collision/comprehensive coverage due to approaching storms. These changes directly affect Louisiana drivers and insurers by limiting unfair practices and ensuring clearer policy terms. The bill is currently prefiling for legislative review.