Welcome to Louisiana Property & Casualty Insurance

Welcome to your comprehensive study guide for the Louisiana Property & Casualty Insurance State Exam. Louisiana has unique insurance requirements and challenges that make understanding state-specific laws critical for insurance producers.

About This Exam

The Louisiana P&C state exam is required in addition to the national Property & Casualty exam. While the national exam covers general insurance principles, the Louisiana exam focuses on state-specific laws, regulations, and requirements.

Why Louisiana Is Unique

Louisiana faces unique insurance challenges:

Natural Disaster Exposure:

• Hurricane Risk: Louisiana is one of the most hurricane-prone states in the U.S.
• Flood Risk: Much of Louisiana is below sea level or in flood zones
• Coastal Erosion: Ongoing land loss affects property insurance
• Wind and Hail: Severe weather events are common

Regulatory Environment:

• Elected Insurance Commissioner: Louisiana voters elect their Insurance Commissioner
• Louisiana Citizens Property Insurance: State-run insurer of last resort
• Strict Rate Regulation: Recent reforms to improve market stability
• Consumer Protection Focus: Strong consumer protection laws

Unique Auto Insurance Requirements:

• 15/30/25 Liability Minimums: Lower than most states
• UM/UIM Requirements: Uninsured/underinsured motorist coverage rules
• Direct Action Statute: Unique right to sue insurers directly
• No Pay, No Play: Limits for uninsured drivers

Exam Structure

Louisiana P&C State Exam

Exam Content Breakdown

Louisiana Insurance Regulation (30%)

• Louisiana Department of Insurance structure and authority
• Louisiana Insurance Commissioner powers and responsibilities
• Title 22 Louisiana Revised Statutes
• Producer licensing and continuing education
• Market conduct and enforcement

Louisiana Property Insurance (25%)

• Homeowners insurance requirements
• Louisiana Citizens Property Insurance Corporation
• Hurricane and windstorm coverage
• Flood insurance and NFIP
• Louisiana-specific policy provisions

Louisiana Auto & Casualty Insurance (30%)

• Minimum liability requirements (15/30/25)
• Uninsured/underinsured motorist coverage
• Direct action statute
• No Pay, No Play law
• Workers' compensation requirements

Louisiana Ethics & Professional Conduct (15%)

• Producer responsibilities and duties
• Prohibited practices
• Consumer protection laws
• Records retention and reporting
• Penalties and enforcement

Prerequisites

Before Taking the Louisiana Exam

1. Pass the National P&C Exam: You must pass the national Property & Casualty exam first
2. Complete Pre-Licensing Education: Louisiana requires 40 hours of approved pre-licensing education
3. Apply for Licensing: Submit application through NIPR (National Insurance Producer Registry)
4. Background Check: Complete fingerprinting and background screening

Scheduling Your Exam

• Create Account: Register at www.pearsonvue.com/la/insurance
• Schedule Date: Choose available date and location
• Pay Fee: $49 exam fee
• Arrive Early: Arrive 30 minutes before scheduled time
• Bring ID: Valid government-issued photo ID required

What to Bring to the Exam

Required:

• Valid government-issued photo ID (driver's license or passport)
• Pearson VUE confirmation number

Prohibited:

• Cell phones and electronic devices
• Study materials and notes
• Calculators (provided by test center if needed)
• Bags and personal items

Study Approach

Focus on Louisiana-Specific Content

This exam tests Louisiana laws and regulations, not general insurance knowledge. Focus on:

1. Louisiana Statutes: Title 22 Louisiana Revised Statutes
2. State Requirements: Louisiana-specific minimums and mandates
3. Unique Provisions: Laws that differ from other states
4. Recent Changes: 2025-2026 regulatory updates
5. Practical Application: How laws apply in real scenarios

Key Study Topics

Must-Know Louisiana Facts:

• Louisiana Insurance Commissioner is elected
• Minimum auto liability: 15/30/25
• UM/UIM coverage is automatically included unless rejected in writing
• Louisiana Citizens is the state insurer of last resort
• Flood insurance requirements in designated zones
• Hurricane deductibles and windstorm coverage
• Direct action statute allows suing insurers directly
• No Pay, No Play limits uninsured driver recoveries
• Producer CE requirements: 24 hours every 2 years, including 3 hours ethics

Study Tips

1. Understand the Why: Don't just memorize—understand why Louisiana has these specific requirements
2. Compare to Other States: Note what makes Louisiana different
3. Focus on Numbers: Know specific dollar amounts, percentages, and time limits
4. Practice Applications: Think about how laws apply in real scenarios
5. Use Practice Questions: Test your knowledge with quiz questions throughout this guide

About Louisiana

Louisiana Insurance Market

Louisiana has a challenging insurance market due to:

Property Insurance Challenges:

• High hurricane risk drives up costs
• Coastal erosion and land loss
• Flood insurance requirements
• Limited insurer participation in high-risk areas
• Louisiana Citizens growth as market of last resort

Auto Insurance Market:

• High accident rates
• Urban congestion (New Orleans, Baton Rouge)
• Significant uninsured motorist population
• Direct action statute increases litigation
• Rising medical costs affect claims

Louisiana Department of Insurance (LDI)

The Louisiana Department of Insurance (LDI) regulates all insurance activities in the state.

Contact Information:

• Website: www.ldi.la.gov
• Phone: (225) 219-4565 (main)
• Consumer Assistance: (800) 259-5300
• Address: 1702 N. Third Street, Baton Rouge, LA 70802

LDI Functions:

• Producer and company licensing
• Rate and form review
• Consumer complaint handling
• Market conduct examinations
• Financial oversight of insurers
• Consumer education and protection

What's Covered in This Study Guide

This comprehensive guide covers everything you need to know for the Louisiana P&C state exam:

Chapter 1: Louisiana P&C Regulation & Licensing

• Louisiana Department of Insurance structure
• Insurance Commissioner powers and responsibilities
• Producer licensing requirements
• Continuing education mandates
• Ethics and professional standards

Chapter 2: Louisiana Property Insurance

• Homeowners insurance requirements
• Louisiana Citizens Property Insurance
• Hurricane and windstorm coverage
• Flood insurance and NFIP
• Commercial property insurance

Chapter 3: Louisiana Auto & Casualty Insurance

• Minimum auto liability requirements (15/30/25)
• Uninsured/underinsured motorist coverage
• Direct action statute
• No Pay, No Play law
• Workers' compensation requirements

Chapter 4: Louisiana Ethics & Professional Conduct

• Producer fiduciary duties
• Prohibited practices
• Consumer protection requirements
• Records retention
• Disciplinary actions and penalties

How to Use This Study Guide

Each chapter includes:

1. Comprehensive Content: Detailed explanations of Louisiana laws and requirements
2. Key Takeaways: Essential facts to memorize
3. Summaries: Quick review of main points
4. Quiz Questions: Test your understanding throughout
5. Practical Examples: Real-world applications
6. Exam Tips: Specific guidance for exam questions

Study Schedule Recommendation

Week 1-2: Chapter 1 (Regulation & Licensing)

• Focus on Louisiana Department of Insurance
• Learn producer licensing requirements
• Study continuing education rules

Week 3: Chapter 2 (Property Insurance)

• Master Louisiana Citizens and hurricane coverage
• Understand flood insurance requirements
• Learn property-specific provisions

Week 4: Chapter 3 (Auto & Casualty)

• Memorize 15/30/25 minimums
• Study UM/UIM requirements
• Learn Direct Action and No Pay, No Play

Week 5: Chapter 4 (Ethics & Professional Conduct)

• Review producer responsibilities
• Study prohibited practices
• Learn penalties and enforcement

Final Week: Review and Practice

• Review all key takeaways
• Complete all quiz questions
• Focus on weak areas
• Take practice exams

Retake Policy

If you don't pass the Louisiana P&C exam:

• Wait Time: 24 hours before retaking
• Retake Fee: $49 per attempt
• Unlimited Attempts: No limit on retakes
• Score Report: Provided after each attempt showing areas of weakness

Next Steps After Passing

Once you pass the Louisiana P&C state exam:

1. License Application: Complete application through NIPR
2. Background Check: Submit fingerprints and complete screening
3. Application Fee: Pay $100 license application fee
4. Company Appointments: Obtain appointments with insurance companies
5. Start Selling: Begin your career as a Louisiana P&C producer

Let's Get Started!

You're about to embark on learning Louisiana's unique insurance laws and regulations. This study guide provides everything you need to pass the Louisiana P&C state exam and succeed as an insurance producer in Louisiana.

Remember: Louisiana has specific requirements that differ from other states. Understanding these unique provisions is essential for serving Louisiana consumers and operating within state law.

Good luck with your studies!