2006 Louisiana Laws - RS 22:681 — Coverage of temporary, substitute, and rental vehicles

§681.  Coverage of temporary, substitute, and rental vehicles

Every approved insurance company, reciprocal or exchange, writing automobile liability, physical damage, or collision insurance, shall extend to temporary substitute motor vehicles as defined in the applicable insurance policy and rental private passenger automobiles any and all such insurance coverage in effect in the original policy or policies.  Where an insured has coverage on multiple vehicles, at least one of which has comprehensive and collision insurance coverage, that comprehensive and collision substitute coverage shall apply to the temporary substitute motor vehicle or rental motor vehicle.  Such insurance shall be primary.  However, if other automobile insurance coverage is purchased by the insured for the temporary substitute or rental motor vehicle, that coverage shall become primary.  The coverage purchased by the insured shall not be considered a collateral source.

Acts 2003, No. 456, §3.