LA| Louisiana Bulletin 2026-01, effective January 1, 2026 under Act 476 (2025 Regular Session), reminds property and casualty insurers writing motor vehicle business that they may not increase premiums or add a surcharge due to an insured’s first lapse in liability coverage if the lapse is 90 days or less, while subsequent lapses may result in premium or surcharge increases, with the “first lapse” treatment resetting whenever the insured maintains continuous coverage for at least five consecutive years after a lapse; the Bulletin defines a “lapse in coverage” as any period when the vehicle owner fails to maintain required motor vehicle liability coverage, clarifies that removal of a discount for which the insured no longer qualifies is not considered a premium increase or surcharge, and requires insurers that violate these provisions to refund any excess premium, directing questions to the LDI Office of Property and Casualty.