# La. Rev. Stat. § 22:35: Discrimination; failure to provide coverage; penalties; right of action

> Louisiana · Statutes · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_LA_Crevised-statutes_T22_S35

## Section

- **Citation:** La. Rev. Stat. § 22:35
- **Heading:** Discrimination; failure to provide coverage; penalties; right of action
- **Jurisdiction:** Louisiana
- **Kind:** Statutes
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** LA Code / Code revised-statutes / Title 22 / Section 35

## Text

A. No insurer shall refuse to issue or fail to renew any policy or contract of property and casualty insurance to a person or business, solely because of the race of the applicant or the economic condition of the area in which the property sought to be insured is located, unless such refusal to issue or failure to renew is based on sound actuarial principles or is related to actual experience.

B. Any insurer violating this Section shall be fined ten thousand dollars for each occurrence.

C. The commissioner of insurance shall promulgate rules and regulations necessary for the enforcement of this Section. The rules and regulations shall, at a minimum, provide a mechanism in which complaints concerning alleged discriminatory practices by insurers can be received and investigated. The rules and regulations shall also contain a provision allowing for an administrative hearing in accordance with the Administrative Procedure Act, R.S. 49:950 et seq., prior to the imposition of the penalty outlined in Subsection B of this Section.

D. Any person discriminated against in violation of this Section shall have a personal right of action against the insurer and may file suit against the insurer in a court of competent jurisdiction. Upon a finding of discrimination on the part of the insurer, the insurer shall be responsible for actual damages suffered by the injured party and reasonable attorney fees.

Acts 1993, No. 381, §1; Redesignated from R.S. 22:652.4 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009; Acts 2009, No. 317, §1.

NOTE: Former R.S. 22:35 redesignated as R.S. 22:65 by Acts 2008, No. 415, §1, eff. Jan. 1, 2009.

## Nearby sections

- [La. Rev. Stat. § 22:1 Louisiana Insurance Code](https://www.frixlaw.com/law-library/statutes/STATE_LA_Crevised-statutes_T22_S1.md)
- [La. Rev. Stat. § 22:3 Composition of Department of Insurance](https://www.frixlaw.com/law-library/statutes/STATE_LA_Crevised-statutes_T22_S3.md)
- [La. Rev. Stat. § 22:12 Insurer; qualification required; compliance with Code required](https://www.frixlaw.com/law-library/statutes/STATE_LA_Crevised-statutes_T22_S12.md)
- [La. Rev. Stat. § 22:17 Particular provisions prevail](https://www.frixlaw.com/law-library/statutes/STATE_LA_Crevised-statutes_T22_S17.md)
- [La. Rev. Stat. § 22:23 Exclusive use of expirations](https://www.frixlaw.com/law-library/statutes/STATE_LA_Crevised-statutes_T22_S23.md)
- [La. Rev. Stat. § 22:35 Discrimination; failure to provide coverage; penalties; right of action](https://www.frixlaw.com/law-library/statutes/STATE_LA_Crevised-statutes_T22_S35.md)
- [La. Rev. Stat. § 22:45 Attorney general; writ of mandamus](https://www.frixlaw.com/law-library/statutes/STATE_LA_Crevised-statutes_T22_S45.md)
- [La. Rev. Stat. § 22:70 Prior approval required before a domestic insurer may apply for admission to another state or country](https://www.frixlaw.com/law-library/statutes/STATE_LA_Crevised-statutes_T22_S70.md)
- [La. Rev. Stat. § 22:75 Change of state of domicile of admitted insurer; conversion to foreign insurer; effects of redomestication](https://www.frixlaw.com/law-library/statutes/STATE_LA_Crevised-statutes_T22_S75.md)
- [La. Rev. Stat. § 22:86 Dividends on stock](https://www.frixlaw.com/law-library/statutes/STATE_LA_Crevised-statutes_T22_S86.md)
- [La. Rev. Stat. § 22:95 Existing insurers: capital requirements and powers](https://www.frixlaw.com/law-library/statutes/STATE_LA_Crevised-statutes_T22_S95.md)
- [La. Rev. Stat. § 22:118 Impairment of surplus; how made good](https://www.frixlaw.com/law-library/statutes/STATE_LA_Crevised-statutes_T22_S118.md)
- [La. Rev. Stat. § 22:141 Industrial insurance defined](https://www.frixlaw.com/law-library/statutes/STATE_LA_Crevised-statutes_T22_S141.md)
- [La. Rev. Stat. § 22:142 Limitations](https://www.frixlaw.com/law-library/statutes/STATE_LA_Crevised-statutes_T22_S142.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_LA_Crevised-statutes_T22_S35. Check the current official text before relying on it. Not legal advice.