The civic record
Read. Follow. Verify.Louisiana House Bill 173 Bars Injury and Property Damage Recovery for Drivers with Auto Insurance Lapses Exceeding 30 Days
Last action · March 9, 2026: Read by title, under the rules, referred to the Committee on Civil Law and Procedure.Sponsor: Dennis Bamburg
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What This Bill Proposed
Louisiana House Bill 173 prohibits drivers who experience an auto insurance coverage lapse of more than 30 days from recovering any money for . Under current law, uninsured drivers are barred only from recovering the first $100,000 of damages.
Motorists driving with an extended lapse in auto insurance face the complete loss of the right to sue for in a crash, expanding existing restrictions that previously only limited recovery below a $100,000 threshold.
Who It Would Have Affected
Groups the bill's text would have affected, as described in the record. Being affected is not a position for or against it.
drivers with a lapse in coverage that exceeds thirty days
Drivers with an insurance lapse exceeding 30 days lose all ability to recover damages for bodily injury or property damage.
motor vehicle owners and operators
Motorists must maintain continuous compulsory liability security to preserve their potential recovery rights under motor vehicle laws.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
What happens if a driver has an insurance lapse of more than 30 days and gets into an accident?
Does this bill replace current Louisiana laws regarding uninsured motorists?
What else do you want to know?
News Coverage
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Votes, people, money & the original sourceWhere This Stands
This bill did not become law - Died at adjournment · in House committee.
Procedural history
4 actions- Mar 9, 2026HouseIntroducedRead by title, under the rules, referred to the Committee on Civil Law and Procedure.
- Feb 20, 2026HouseFirst appeared in the Interim Calendar on 2/20/2026.
- Feb 18, 2026HousePrefiled.
- Feb 18, 2026HouseCommitteeUnder the rules, provisionally referred to the Committee on Civil Law and Procedure.
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Connected Entities
Sources
www.legis.la.gov
Analysis Score
0–100- Significance20Lowered because this bill did not pass (its text scored 50)
- Controversy45Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz20Current news / social attention level
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