§1296.1. Coverage for drivers of non-owned vehicles; requirements

            A. An approved insurance company, reciprocal or exchange, writing automobile liability, uninsured, underinsured, or medical payments coverage shall not exclude the benefits of such coverage under its policy to an insured operating a vehicle not owned by the insured if all of the following requirements are satisfied:

            (1) The coverage is in full force and effect.

            (2) The insured is operating a vehicle not owned by the insured with the express or implied permission of the vehicle's owner.

            (3) The vehicle not owned by the insured that is being operated by the insured is not provided, furnished, or available to the insured on a regular basis.

            B. Coverage provided pursuant to this Section shall be secondary to the vehicle owner's insurance policy.

            C. If the coverage provided pursuant to this Section is included within the coverage provided pursuant to R.S. 22:1296, the provisions of R.S. 22:1296 shall determine which coverage is primary.

            Acts 2022, No. 77, §1; Acts 2022, No. 93, §1.