Two Credentials in Two Parts — and Louisiana Licenses the Company's Own Staff
Louisiana puts claims adjusters and public adjusters in two separate Parts of the Insurance Code, and gives each its own eighteen-section regime.
Part IV — Claims Adjusters — is La. R.S. 22:1661 through 22:1678, plus 22:1674.1. It covers anyone who investigates, negotiates or settles claims for an insurer, whether as an independent contractor or as the carrier's own employee.
Part V — Public Adjusters — is La. R.S. 22:1691 through 22:1708. It covers those who represent the insured for compensation, and it is a materially stricter regime — see the sections on fees and on the criminal provision.
Louisiana licenses company and staff adjusters. There is no staff-adjuster exemption in §22:1662, which is where the general exemptions live. A salaried claims employee working Louisiana claims needs a license the same as a contractor does.
Both Parts end where the enumeration says they end. On the official code site the section pages run in sequence by document identifier, and the identifier immediately after §22:1678 is §22:1691, while the one immediately after §22:1708 is §22:1721 — the Reinsurance Intermediary Law. So §§22:1679–1690 and §§22:1709–1720 do not exist, and there is no §22:1712. That is a stronger negative than a failed search.
Every Claims Statute Here Has Been Renumbered Once and Rewritten Again
This is the first thing to learn about Louisiana, because it governs every other claim you will make about the state. A source on Louisiana insurance law can be wrong in two distinct ways, and the second one is invisible.
Generation one — the 2008 recodification. Acts 2008, No. 415, effective 1 January 2009, renumbered the whole of Title 22. The sections an adjuster uses moved as follows: §22:658 became §22:1892 (payment of claims), §22:695 became §22:1318 (valued policy), §22:655 became §22:1269 (direct action), §22:1220 became §22:1973 (good faith), and the adjuster provisions at §§22:1210.71–.87 became §§22:1661–1678 one for one in order.
One section broke the pattern. §22:1675 — payments to adjusters limited — came from §22:1453, not from the 1210 series. It is the only outlier in the block, and it is exactly the kind of thing a mechanical concordance gets wrong.
Generation two — and this one is a repeal. La. R.S. 22:1973 was repealed by Acts 2024, No. 3, §2, effective 1 July 2024.
So the most-cited insurance statute in Louisiana has failed twice over. A source citing §22:1220 is describing a section renumbered out of existence in 2009. A source citing §22:1973 is describing a section repealed in 2024. Both citations return real, findable, authoritative-looking material. Neither is current law.
LDI publishes an official concordance table for the 2008 renumbering, which is the fastest way to translate an old citation. Note that the table carries no date stamp, so it tells you nothing about what has happened since.
The Official Statute Site Is a Full Session Behind
The Louisiana Legislature's own site publishes the running statutes, and it states its own currency: "Laws have been updated through the 2025 First Extraordinary Session."
That means the entire 2026 Regular Session is missing from the statute pages. It can be proved three ways rather than taken on trust. R.S. 22:1311(F)(2) still reads "thirty-day written notice of cancellation" although Act 848 of 2026 changed it to sixty. R.S. 22:1892's history line ends at "Acts 2025, No. 500" — with no sign of Act 932 of 2026, which added a whole subsection. R.S. 22:1921's ends at 2022, with no sign of Act 32 of 2026.
And there is a positive control, which is what turns three observations into a finding: R.S. 32:866 carries "Acts 2025, No. 16, §1" — so the site genuinely is current through 2025, and the gap is precisely the 2026 session.
So for any 2026 subject, read the act document rather than the statute page. The acts are published on the same site under a different path, and they are complete.
Currency is also per section, not global. §22:1892's page carries 2025 acts; §22:868's page stops at 2020. A single "updated through" statement at the site level does not mean every page has been brought to that level.
The Exemptions Are in §22:1662 — and Staff Adjusters Are Not Among Them
§22:1663 carries the licensing requirement and §22:1662 carries the general exemptions. Read them together, and read §22:1661's definitions first, because the exemptions are drafted against defined terms.
The headline is what is absent. Many states exempt the insurer's own salaried claims staff. Louisiana does not. A company adjuster needs a license on the same footing as an independent.
§22:1662 was amended by Acts 2025, No. 29 — the same act that rewrote the continuing education sections — so an exemption list copied from a pre-2025 source is a year out of date.
There is also a limited credential. §22:1666 — the limited claims adjuster license — is a narrower authority than the full license, and it is the provision most often missed when people describe Louisiana as having "one adjuster license."
And there is a separate route that is not a license at all — the catastrophe or emergency claims adjuster registration at §22:1667, which is covered in its own section of this guide.
Louisiana Publishes Seven Adjuster-Side Examinations, Not One
PSI is the vendor, and the common description of Louisiana as having "the Series 204 exam, plus a couple of narrower ones" understates the inventory by three. The full adjuster-side list:
Series 204 — Property and Casualty Adjuster. 150 scored questions, 160 minutes. This is the flagship and the one most candidates sit. It is also one of the longest adjuster examinations in the country.
Series 201 — Automobile Adjuster: 60 questions, 70 minutes. Series 202 — Personal Lines Adjuster: 100 questions, 120 minutes. Series 203 — Commercial Lines Adjuster: 100 questions, 120 minutes. Series 205 — Crop Adjuster: 60 questions, 70 minutes. Series 206 — Workers Compensation Adjuster: 60 questions, 70 minutes. Series 301 — Public Adjuster: 100 questions, 120 minutes.
The fees split by instrument, not by a single rate. Series 204 is $36. Series 201, 206 and 301 are $19. A guide that publishes one exam fee for Louisiana is describing one exam.
Series 206 exists because Louisiana splits regulators. Workers' compensation claims are administered by the Office of Workers' Compensation Administration in the Louisiana Workforce Commission under Title 23, not by the Department of Insurance. That split is the reason for a standalone comp adjuster examination — a combination very few states have.
The 70 Appears to Be a Raw Percentage — and "Appears" Is Doing Real Work
Two PSI documents state the standard as a percentage correct. The Series 204 content outline gives it as "70% Correct", and the Louisiana examination instruction sheet gives it as "Passing Score 70%".
Neither document uses the word "scaled" anywhere. That is worth stating positively, because several states publish a scaled 70 while printing a percent sign next to it, and the two are not the same thing at all.
So Louisiana appears to be a genuine percentage-correct state, which would make 105 of 150 the pass mark on Series 204.
But three things keep this short of certain. The Series 204 content outline is stamped "Effective 9/13/2016" — ten years old, and predating every statute this guide teaches. PSI's current Louisiana candidate bulletin declines to state the passing standard at all, deferring it to the outlines. And LDI publishes no scoring method anywhere.
Treat 105 of 150 as the working assumption and not as a guarantee. Where a state's own regulator publishes nothing on scoring and the vendor's only statement is a decade old, the honest position is that the standard looks raw and has not been confirmed.
Application First, Fingerprints Second — and Prints Sent Early Are Rejected
Louisiana reverses the sequence most candidates expect, and the Department states the consequence in plain terms: fingerprints submitted before the application "will not be accepted or reviewed."
The order is: file the NIPR application AND the background check authorization form first, then book IdentoGO. That is two documents before prints, not one — the authorization form is a separate item and is the one people miss.
IdentoGO/Idemia is the statewide vendor for the criminal background check. §22:1664 is the statutory authority, and it permits a waiver where prints are already on file with the NAIC.
The fees are set by La. R.S. 22:821: $75 for a first-time applicant, $75 on biennial renewal, $25 for a catastrophe or emergency registration, and a $50 fee for filing an adjuster renewal late.
There is one clock on the examination side that the statute does not carry. Regulation 109 requires the application for a line to be submitted within 365 days of passing the examination for it. Pass the exam and sit on it for a year and the pass no longer supports an application.
Two Years to Your Birth Month — and the Year Is Set by Your License Number
§22:1671 makes renewal biennial and says nothing at all about birth months or even and odd years. "Every licensed claims adjuster shall file an application for renewal of his license every two years." That is the whole of the statutory rule.
The machinery is regulatory. It lives in LAC §XIII-15515, part of Regulation 109, and it is where the familiar description comes from.
And the driver is not what most sources say. The even and odd split keys off the last digit of the LICENSE NUMBER, not the birth year. A license whose number ends in an even digit "shall expire on the last date of the birth month of the individual in even-numbered years"; an odd last digit expires in odd-numbered years.
Business entities are on a different rule entirely — they expire on 31 March, again split even and odd by license number.
A renewal application may be filed up to 90 days early, which is the practical answer to a birth month that falls awkwardly.
Twenty-Four Hours — Two of Them Statutory, Three of Them Regulatory
The requirement is 24 hours biennially, reported with the renewal, and Louisiana splits its components across two different kinds of instrument. Knowing which is which tells you which one can change without a legislative session.
The 2 hours of legislative updates are STATUTORY. §22:1673 requires the 24 hours "with at least two hours dedicated to the subject of legislative updates in insurance law." The vehicle was Acts 2025, No. 29, which amended the claims adjuster and public adjuster CE sections together.
The 3 hours of ethics are REGULATORY. They come from Rule 10 in the Louisiana Administrative Code, not from the statute.
Only commissioner-approved courses count, and CE is "reported on a biennial basis in conjunction with the license renewal cycle" — so the CE period and the license term are the same clock, not two.
Two exemptions: a licensee's first renewal, and a nonresident whose home state extends reciprocal credit.
Public adjusters carry the identical requirement under §22:1702, amended by the same 2025 act.
Twenty-Two Statutory Standards, Acknowledged at Issuance and at Every Renewal
This is the provision with no real counterpart in most states, and it is the heart of Louisiana adjuster regulation. §22:1674.1 — "Standards of conduct; acknowledgment required" — was created by Acts 2021, No. 402, the same act that repealed the old §22:1674.
The section has four subsections. (A) carries the standards. (B) carries the acknowledgment requirement. (C) carries enforcement. (D) denies a private right of action.
Acknowledgment is required at license issuance AND at every renewal — it is not a one-time attestation.
Enforcement runs through the unfair trade practices machinery. A violation "constitutes an unfair trade practice" enforceable by the commissioner, which routes it into §22:1964 and the penalties in §22:1969. That is the hinge between the adjuster Part and the Unfair Trade Practices Part — and it matters more than usual right now, because Act 32 of 2026 amended the receiving end of that hinge in April.
Subsection (D) is the limit. The standards do not create a private right of action. They are a regulatory obligation enforced by the commissioner, not a cause of action for a policyholder.
Act 372 of 2026 — and the Act's Own Title Overstates It
Louisiana added a new standard of conduct effective 1 August 2026, and the way it is described in every list you will find is wrong.
The legislature's one-line subject entry reads: "Requires the inclusion of the license number of adjusters and appraisers in all written communications."
The enacted text of §22:1674.1(A)(22) says something narrower: the license number must appear "in all electronic communications to the insured other than text messages composed and sent as part of his business or employment."
Three differences from the caption, and every one of them is operative. It reaches electronic communications, not written ones — so paper correspondence is outside it. It runs to the insured, not to every recipient. And text messages are expressly carved out.
The official Resume Digest sides with the enacted text, not with the caption. A guide that quotes the act's title has stated a duty broader than the one the legislature passed.
It is not confined to claims adjusters. The same act enacted parallel duties for public adjusters at §22:1706(H)(12) and for appraisers at §22:1807.16(D)(5).
There is no express effective-date section, so the act took effect 1 August 2026 by constitutional default. The penalty comes from the host statute — §22:1674.1(C) makes a breach an unfair trade practice.
The Insurer Registers You — 180 Days, Plus a Ninety-Day Extension Most Sources Omit
§22:1667 is the catastrophe or emergency claims adjuster registration, and it is a registration rather than a license.
The insurer or its designee files, not the adjuster. LDI states it directly: registration "must be filed by the insurer or their designee." Filing is by spreadsheet upload through LDI's Industry Access system, with name, social security number or NPN, business address, residence state and other-state licensure.
The fee is $25 per adjuster, fixed by §22:821 rather than by §22:1667, which cross-references it.
Registrations are effective immediately on submission and run 180 days — and the commissioner may extend the term for an additional period of ninety days. That extension is in the statute and is left out of almost every summary.
The handbook certification is a real obligation with a real clock. The commissioner must publish a handbook, and registrants must certify that they have read and understood it within ten days of registration. The clock runs from registration, not from arrival in the state.
The instrument currently in force is the 2026 Edition of the Handbook for Adjusting Catastrophe or Emergency Claims in Louisiana. The insurer retains the certification forms and produces them to the commissioner on request.
Denial and Revocation Under §22:1672, and the Reporting Duty at §22:1677
§22:1672 carries the grounds for license denial, nonrenewal or revocation, and it is the section a disclosure question on an application is measured against.
§22:1677 — Reporting of actions — is the standing obligation. It is the provision that turns a matter in another state, or before another agency, into a Louisiana filing.
§22:1675 — Payments to adjusters limited; reciprocal fee — is the money provision, and it is the section that came from old §22:1453 rather than from the 1210 series in the 2008 renumbering. If you are translating an old citation, this is the one the concordance is most likely to get wrong.
§22:1676 — Referral by insurer — sits alongside it and governs the referral relationship between an insurer and an adjuster.
Read all four with §22:1674.1 in mind, because the standards of conduct are separately enforceable and route into the unfair trade practices penalties rather than through this Part.
Contingency Fees Are Null and Void — and Unlicensed Public Adjusting Is a Crime
Part V is stricter than Part IV in three ways that have no counterpart in most states.
One — the fee rule is a prohibition, not a cap. §22:1703 forbids compensation "contingent upon, or calculated as a percentage of, the amount of any claim," and declares such a contract "against public policy and is null and void." Most states cap a public adjuster's percentage at ten or fifteen percent. Louisiana forbids the percentage outright.
Two — unlicensed public adjusting is a criminal offense. §22:1693 is captioned "License required; crime of unauthorized public adjusting." It is not merely an administrative matter.
Three — there is a financial responsibility requirement. §22:1701 requires evidence of financial responsibility of at least $50,000, by security bond or irrevocable letter of credit.
Records run five years. §22:1705 requires them kept "at least five years after the termination of the transaction with an insured."
And the standards of conduct at §22:1706 are the public adjuster counterpart to §22:1674.1 — amended by Acts 2025, No. 144, and extended again by Act 372 of 2026, which added the license-number duty at §22:1706(H)(12).
Louisiana Repealed Its Bad-Faith Statute and Folded the Duty Into the Payment Statute
On 1 July 2024 Louisiana stopped having two claims statutes and started having one.
Acts 2024, No. 3 did both halves in one instrument. Section 2 repealed La. R.S. 22:1973. Section 1 amended La. R.S. 22:1892, whose catchline now reads "Payment and adjustment of claims; policies other than life and health and accident; good faith duty; breach of good faith duty; vehicle damage claims…"
The duty now sits in §22:1892(I) and (J). (I) provides that "An insurer owes to its insured a duty of good faith and fair dealing" with affirmative duties "to adjust claims fairly and promptly and to make a reasonable effort to settle claims." (J) imposes a reciprocal duty on the insured.
(J) is more than symbolic. J(4) provides that "the trier of fact shall consider" the insured's conduct in deciding whether to award penalties or attorney fees, and J(5) preserves the insurer's other rights "including but not limited to the right to void the policy or contract or deny coverage."
§22:1892 now runs A through K — and Act 932 of 2026 added a subsection (L). Any source that describes the section as ending at (J) is pre-August 2026.
Seven Things a Claimant Had Under §22:1973 That §22:1892(I) Does Not Give
A course must not teach a remedy that no longer exists, and the merger was not a straight transplant. Each of the following was tested against the current text.
One — the damages narrowed. The old section reached "any general or special damages to which a claimant is entitled." The new one makes the insurer liable for "any proven economic damages sustained as a result of the breach." Economic damages only.
Two — the multiplier halved and changed shape. Two times the damages became "not to exceed fifty percent of the damages sustained or five thousand dollars, whichever is greater."
Three — the sixty-day yardstick became a cross-reference. The current text conditions the penalty on failure to pay "within the period provided by law following receipt of satisfactory proof of loss." Say "the period provided by law." Printing "sixty days" states a number the statute deliberately stopped stating.
Four — property claims were routed elsewhere. The penalty applies "For claims not involving loss to an insured's immovable property"; immovable property claims go to §22:1892(B) or §22:1892.2 instead.
Five — life insurance dropped out. Subsection K excludes "life and health and accident" policies. The old §22:1973 excluded only health and accident. Statutory bad faith on a life policy is gone.
Six — the beneficiary of the penalty is now stated as "the insured," while the duty sentence still speaks of settling "with the insured or the claimant, or both." Two readings remain open on the face of the text. Learn the tension rather than a conclusion.
Seven — there is one statute where there were two. That is the structural change that makes older material unreliable.
The §22:1892 Clocks — and Where the Flat Numbers Survive
Louisiana's claim deadlines are statutory rather than regulatory, and several of them were rewritten between 2021 and 2026. The current set:
Pay after satisfactory proof of loss — 30 days. This is the familiar number, and it now survives only inside the penalty paragraph at B(1)(a), not in the duty paragraph.
Initiate loss adjustment — 14 days for property damage, 30 days for catastrophic loss. Both are in A(3).
Written settlement offer on a property damage claim — 30 days. Field adjuster report on request — 15 days. Rental vehicle when the insured is entitled and requests one — 3 business days, added by Acts 2025, No. 500. Process a properly executed check or draft — 3 calendar days.
And a proof-of-loss form regime added in 2025. §22:1892.3, created by the same Act 500, requires the form to be provided within ten business days of the claim, with the insurer having ten business days to declare it complete or incomplete. The form must be filed with and approved by the commissioner.
The penalties: 50% of the damages or $1,000, whichever is greater, for a delay found arbitrary, capricious or without probable cause; 10% or $2,500 on vehicle claims; 50% of the rental expenses or $2,500 on rental; $200 or 15% of the face amount on check processing; and repair-shop fines escalating $1,000 / $2,500 / $5,000.
The Unfair Trade Practices Part — Commissioner Enforcement Only, and Amended in April
The Part is La. R.S. 22:1961 through 22:1972, and it is where an adjuster's standards-of-conduct violations are enforced.
The sections are: 1961 Purpose · 1962 Definitions · 1963 Unfair methods and unfair or deceptive acts and practices prohibited · 1964 Methods, acts and practices defined as unfair or deceptive · 1967 Power of the commissioner · 1968 Notice of hearing · 1969 Violations and penalties · 1970 Cease and desist order · 1971 Grant of civil immunity · 1972 Report by the commissioner.
The Part gives no private right of action. Enforcement is by the commissioner. That is the structural point — a policyholder's remedies run through §22:1892, not through this Part.
Act 32 of 2026 amended it in April. The act was signed and effective 30 April 2026, and it amended §§22:1961, 1962, 1963 and 1968 and enacted §22:1962(G) — broadening "business of insurance" to reach "aiding in the resolution of a claim." It also reached §§22:1921, 1924 and 1925 on the fraud side.
This matters to an adjuster because of §22:1674.1(C). The standards of conduct route violations into this Part for penalties. Act 32 amended the receiving end of that hinge four months ago, and the running statute pages do not yet show it.
Louisiana's Most Famous Rule Inverted on 1 August 2024
For generations Louisiana was the direct action state: an injured claimant could sue the liability insurer directly. That is no longer the default.
Acts 2024, No. 275 rewrote La. R.S. 22:1269(B)(1), and the act's markup shows the pivot in a single word — "shall have a no right of direct action", with "a" struck and "no" inserted. The current text reads: "The injured person … shall have no right of direct action against the insurer unless at least one of the following applies."
Seven exceptions follow: the insured files for bankruptcy; the insured is insolvent; service has been attempted without success or the insured refuses to defend within 180 days; the matter is an offense or quasi-offense between children and parents or between married persons; the insurer is an uninsured motorist carrier; the insured is deceased; or — the one that concerns an adjuster — "when the insurer is defending the lawsuit under a reservation of rights, or the insurer denies coverage to the insured, but only for the purpose of establishing coverage."
Even inside an exception the insurer stays off the caption. B(4)(a): "An insurer shall not be included in the caption of any action brought against the insurer" — the suit "shall instead be captioned only against the insured defendant." B(4)(b) bars disclosing the existence of coverage to the jury.
The effective date is 1 August 2024, by constitutional default — the act carries no express effective-date section.
A 2020 Statute Still Points at the Old Direct Action Rule — and at a Repealed Section
A common claim about Louisiana is that the 2020 tort reform curtailed the direct action statute. It did not.
Acts 2020, No. 37 — from the 2020 First Extraordinary Session — amended Code of Civil Procedure articles 1732, 1733(A) and 4873(1) and Code of Evidence article 411, enacted R.S. 9:2800.27, and repealed R.S. 32:295.1(E). La. R.S. 22:1269 is not among them. It took effect 1 January 2021, "prospective application only."
But it did MENTION §22:1269, which is where the confusion comes from. The reference sits inside the new R.S. 9:2800.27, which speaks of an action "against the insurer alone pursuant to R.S. 22:1269(B)(1)(a) through (f)."
That cross-reference is now doubly stale on its own face. It names (a) through (f) — six exceptions — because the seventh did not yet exist when it was written. And it also names §22:1973, which was repealed in 2024.
So the correct statement is that 2020 Act 37 cited the direct action statute; it did not amend it. The overhaul is Acts 2024, No. 275. Two further 2024 acts — Nos. 595 and 789 — also appear in §22:1269's history line, and what they did was not established here.
Prescription, Not Limitations — and the Tort Period Doubled in 2024
Louisiana is a civil law state and the vocabulary is different. The word is prescription, and the kind that bars a claim is liberative prescription. Using "statute of limitations" in a Louisiana answer is a tell.
Delictual actions now prescribe in TWO years. La. Civ. Code art. 3493.11: "Delictual actions are subject to a liberative prescription of two years. This prescription commences to run from the day injury or damage is sustained."
The article number almost everyone cites is wrong. Acts 2024, No. 423 enacted articles 3493.11 and 3493.12 and REPEALED articles 3492 and 3493. The new article is 3493.11, not 3493.1. The same act redesignated article 3493.10 as article 3493.3, so a source citing 3493.10 is stale too.
And it is prospective only. The act "shall apply to delictual actions arising after the effective date," which was 1 July 2024. So a loss on 30 June 2024 is still a one-year claim under the repealed article 3492. For several years yet, the right period depends on the date of the loss.
A personal action — including suit on an insurance contract — prescribes in ten years under article 3499. But read its opening words: "Unless otherwise provided by legislation, a personal action is subject to a liberative prescription of ten years."
Statutory penalty claims are on their own clock. §22:1892(B)(7) puts penalties and attorney fees under that subsection on two years, and §22:1892.2(B)(2) does the same for the catastrophe section.
A Fault State With No PIP — and a No Pay, No Play Statute
Louisiana is a pure tort state. There is no no-fault regime and no personal injury protection. The negative is provable rather than assumed: R.S. 32:900(B)(2) enumerates exactly three compulsory items and stops.
Minimum limits are $15,000 / $30,000 / $25,000 — "fifteen thousand dollars because of bodily injury to or death of one person in any one accident," thirty thousand subject to that per-person limit, and twenty-five thousand for property damage. They have not recently increased, which is itself a confirmed finding rather than an absence of news.
No Pay, No Play — R.S. 32:866 — bars an uninsured owner-operator from recovering the first tranche of damages in a suit against a tortfeasor. It was amended by Acts 2025, No. 16.
Act 327 of 2026 created the Louisiana Motor Vehicle Glass Law, which is squarely an adjuster subject and is four months old.
Act 159 of 2026 prohibits an insurer from using a particular rating factor in an automobile rate filing — an underwriting rule rather than a claims rule, but one an adjuster will hear about.
A Strong Valued Policy Law — and a Fire Policy Notice Period That Doubled in 2026
The valued policy law is La. R.S. 22:1318, formerly §22:695 before the 2008 renumbering. It is one of the strongest in the country — and its trigger is narrower than its reputation.
Read the trigger precisely: it turns on total loss by fire, with stated exceptions. It is not a general total-loss rule for every peril, and describing it as one overstates it.
§22:1893 governs claims involving immovable property, and it is where the merger routes property claims that would otherwise fall under §22:1892(I).
Acts 2025, No. 500 added a condition to replacement cost holdbacks — the insurer may condition payment of the holdback on reasonable proof that the deductible was paid. The same act created the §22:1892.3 proof-of-loss form regime.
Act 848 of 2026 changed the Standard Fire Policy cancellation notice from thirty days to sixty. The statute page still shows thirty, because the running statutes are a session behind — this is the clearest single example of why you read the act document for anything from 2026.
Two more 2026 acts sit on this patch: Act 319 on the Stated Value Homeowner's Policy Act, and Act 932, whose contractor-verification provisions accompany the §22:1892 amendments.
LIGA Has an Eligibility Floor, Not a Deductible — and Comp Claims Are Paid in Full
The Louisiana Insurance Guaranty Association is the safety net for an insolvent property and casualty insurer, and two of its features are routinely described wrongly.
There is no claimant deductible. What Louisiana has is a $101 eligibility floor — a different mechanism, and one that operates on whether a claim qualifies rather than reducing what is paid on a claim that does.
Workers' compensation claims are paid in full. There is no $500,000 cap on them, contrary to a figure that circulates.
On fraud, do not publish a "no deadline" negative from a keyword search. States commonly delegate the manner of reporting to the regulator, and the deadline then lives in an administrative rule that neither the statute nor the regulator's own guidance letter cross-references by number. Enumerate the rule series before concluding a state imposes no deadline.
Act 32 of 2026 is Louisiana's most recent fraud legislation. Signed and effective 30 April 2026, it amended §§22:1921, 1924 and 1925 on the fraud side alongside the unfair trade practices sections.
A Different Regulator, a Different Title — and the Table Turns Over on 1 September
Louisiana administers workers' compensation through the Office of Workers' Compensation Administration in the Louisiana Workforce Commission, under Title 23 — not through the Department of Insurance under Title 22.
That split is why Louisiana has a standalone Series 206 Workers Compensation Adjuster examination. Very few states do. Keep the two Titles apart: 22 is the Insurance Code, 23 is the compensation act.
Benefit limits are set under La. R.S. 23:1202 and published annually by OWCA. For injuries from 1 September 2025 through 31 August 2026 — the period in force today — the state average weekly wage is $1,169.61, the maximum compensation is $877.00 and the minimum is $234.00.
For injuries from 1 September 2026 through 31 August 2027 the figures are $1,204.02, $903.00 and $241.00. OWCA publishes the successor on the same sheet, ahead of time.
Mileage reimbursement is $0.76 per mile, "effective July 1, 2026 per LA R.S. 23:1203 D" — a different cycle from the benefit limits. Two clocks on one sheet.
Act 648 of 2026 amended La. R.S. 23:1311 and 23:1314(E)(1) — a workers' compensation claims statute passed in the same session.
Read the Act, Not the Statute — and Check Which Generation Your Citation Belongs To
Louisiana changes faster than its published statutes do, and the habits that keep you right are specific to this state.
One — for anything from 2026, read the act document rather than the statute page. The official running statutes are current only through the 2025 session, and the site says so. The acts themselves are published on the same site and are complete.
Two — check currency per section, not per site. §22:1892's page carries 2025 acts while §22:868's stops at 2020. A site-level "updated through" statement does not mean every page has been brought to that level.
Three — check which generation a citation belongs to. A §22:1220 citation is pre-2009. A §22:1973 citation is pre-July-2024. Both resolve to real material and neither is current law. LDI's concordance table translates the first hop; only a repeal check catches the second.
Four — check the date on any secondary source before its citations. The two-statute bad-faith framework ended on 1 July 2024, and material written before then describes an architecture rather than a detail.
Five — when a caption and an enacted text disagree, the text wins. Act 372 of 2026 is the live example: its subject line says "written communications" and its text says "electronic communications to the insured other than text messages."
Things that move on their own schedule: the workers' compensation benefit table on 1 September each year, with mileage on 1 July; the PSI examination fees and the passing standard, which are vendor policy with no statutory anchor; and the Handbook for Adjusting Catastrophe or Emergency Claims, currently in its 2026 Edition.
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