July Brings New Rules for Drivers in Louisiana, Florida, Kansas

July 1 marks the day when many pieces of legislation recently passed by state lawmakers go into effect.

And this July 1, a car insurance bill in Louisiana changes the rules for uninsured drivers while another bill in Florida applies changes to coverage for drivers with DUI convictions. Also, an auto insurance-related bill about premium refunds kicks in for Kansas drivers.

Below is a look at those bills. Also on July 1, several pieces of state legislation kicked in that authorize e-commerce for car insurance companies and policyholders.

Louisiana’s Uninsured Drivers Face Higher Reinstatement Fees

Beginning Tuesday in Louisiana, there’s a higher fee for uninsured drivers who try to get their driving privileges back. That’s thanks to Act 641, which was signed into law a few weeks ago.

Uninsured drivers could also face additional citation- and court-related fees and fines. Reinstatement fees, which Act 641 hiked to more than double the previous amounts, depend on the number of days that a driver went without car insurance:

Days that car was uninsured

Current reinstatement fee

Previous fee







91 or more



Florida Car Insurers Get More Time to Cancel Certain Policies

Effective Tuesday, the Sunshine State’s SB 490 gives car insurers in Florida two months to decide whether or not to keep a newly signed driver, if that driver is trying to buy coverage to get his or her privileges back after a DUI conviction or lapse in car insurance coverage.

Lawmakers voted unanimously to extend the so-called “underwriting period” to 60 days; it was previously 30 days.

Also under SB 490, drivers covered by such policies can adjust amounts of bodily injury, property damage and personal injury protection coverage after the underwriting period. Before the bill, drivers had to cancel their current policy and get a new one if they wanted to modify coverage limits.

Kansas Bill Clarifies Rules on Insurance Premium Returns for Rejected Drivers

SB 321 goes into effect in Kansas today. It relates to premiums refunds for drivers who are terminated or denied coverage.

Now, Kansas law requires insurance companies to refund any premiums it owes a canceled policyholder within 10 days of sending notice to that policyholder, or include that premium refund with the notice itself.

According to a legislative summary, the bill rectifies a discrepancy between state statutes and gives insurers the option of refunding premiums when it serves a notice or within 10 days of that notice.

About Charles Nguyen
Charles Nguyen is an enterprising journalist who reported for Patch.com and the Desert Dispatch and was the editor in chief of the Guardian (the twice-weekly newspaper at the University of California, San Diego) before coming to Online Auto Insurance News.

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