Louisiana § RS 22:1296.1 - Coverage for drivers of non-owned vehicles; requirements
Full text of Louisiana Louisiana Civil Code § RS 22:1296.1 — Coverage for drivers of non-owned vehicles; requirements, with citation guidance and answers to common questions.
§ RS 22:1296.1. Coverage for drivers of non-owned vehicles; requirements
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 R.S. 22:1296, the provisions of R.S. 22:1296 shall determine which coverage is primary.
Acts 2022, No. 77, §1; Acts 2022, No. 93, §1.
Source: official Louisiana text · Last verified 2026-08-27
Frequently Asked Questions About Louisiana § RS 22:1296.1
What does Louisiana Civil Code § RS 22:1296.1 cover?
Section RS 22:1296.1 ("Coverage for drivers of non-owned vehicles; requirements") is part of the Louisiana Civil Code, the codified statutory law of Louisiana. It sets out the legal rule or procedure described in the text above. Statutes are amended regularly, so always verify against the official source.
How do I cite Louisiana § RS 22:1296.1?
A common citation format is "Louisiana Civil Code § RS 22:1296.1" (Louisiana). Legal writing may require the code abbreviation, section number, and year or edition. Match the style required by your court, professor, or publisher.
Is this the official text of Louisiana law?
No. This page is for research and education and may not include the most recent amendments. For official current law, check the Louisiana official source linked on this page or consult a licensed Louisiana attorney.
How does Louisiana § RS 22:1296.1 apply to my situation?
Statutes are interpreted in context, and application depends on your specific facts. Only a licensed attorney in Louisiana can advise on how this section applies to you. Contact your state or local bar association for a referral.
Sources & Verification
Not legal advice. Verify against the official source and consult a licensed attorney in Louisiana.