• Current exceptions include insured bankruptcy or insolvency, unsuccessful service or failure to defend within the statutory period, specified intra-family claims, UM-carrier claims, death of the insured, and certain reservation-of-rights or coverage-denial situations.
• Filing suit against the insured interrupts prescription as to insurers whose policies provide coverage for the asserted claims.
• Where direct action is otherwise unavailable, the statute provides procedures for joining a liability insurer at judgment or settlement during pending litigation.
• Separate coverage disclosure and policy-identification obligations from the question whether the insurer may be named as a defendant.

Primary Louisiana Source

La. R.S. 22:1269 — Direct Action Against Insurer

Current-law review: September 16, 2026. The 2024 direct-action amendments materially restrict earlier Louisiana practice.