INSURANCE/AUTOMOBILE: Creates a mandatory right of appraisal for automobile repairs

HB 954 requires all auto insurance policies in Louisiana to include a mandatory "Right to Appraisal" (RTA) clause for resolving disputes over repair costs. It directly affects policyholders (who can now request an independent appraisal) and insurers (who must provide this process). The bill mandates a specific two-step process: each party selects one independent appraiser, and a neutral umpire resolves disagreements, following existing Louisiana insurance codes (R.S. 22:1807.13 and R.S. 22:1807.19). This creates a standardized, formal method for policyholders to challenge insurer valuation of auto repairs without going to court.