Protect louisiana values

GOVERNOR LANDRY SIGNS LARGEST LEGAL REFORM EFFORT IN STATE HISTORY

Governor Jeff Landry took bold action to overhaul Louisiana’s broken insurance system. His reforms tackle lawsuit abuse, demand transparency from insurance companies, and crack down on fraud—all with one goal: protecting Louisiana families.

Holding both trial lawyers and insurance companies accountable

Louisiana’s updated “No Pay, No Play” statute raises the recovery threshold for uninsured drivers from $15,000 to $100,000 for bodily injury and from $25,000 to $100,000 for property damage. This means that uninsured drivers involved in a motor vehicle accident cannot recover the first $100,000 in damages, regardless of fault.

Eliminates the “Housley Presumption,” a judicial rule that assumes an injury is caused by an accident, not before or after the accident. By requiring plaintiffs to provide medical evidence that directly links their injuries to the accident, this will reduce frivolous lawsuits and ensure that only legitimate claims receive compensation.

Revises Louisiana’s collateral source rules to align more closely with those of Texas. The law means plaintiffs can only recover the actual amounts paid for medical services, rather than the inflated billed amounts. This reform aims to increase transparency in medical billing, prevent inflated claims, and contribute to the reduction of excessive insurance payouts.​

Enhances the powers of the Louisiana Commissioner of Insurance, granting the authority to reject excessive rate hikes and improve transparency within the insurance industry. The objective is to provide more robust oversight, ensuring that insurance companies operate fairly and that consumers are protected from unjustified premium increases.

Prevents undocumented immigrants who are injured in a car accident from collecting general damages.

Modifies Louisiana’s comparative fault rules to bar recovery if a plaintiff’s fault is 51% or more, and otherwise reduces damages in proportion to their fault, with jury instructions required.

Requires insurance companies to offer premium discounts to commercial truck drivers who install and utilize operational dashboard cameras to provide clear evidence in the event of accidents, discourage fraudulent claims, and promote safer driving practices, ultimately benefiting both insurers and policyholders.

Prohibits the use of social media and texting while driving in Louisiana. By addressing distracted driving, this law intends to reduce the number of preventable accidents, enhance road safety, and potentially lower insurance costs associated with such incidents.​

Prohibits insurers from raising auto insurance rates or adding surcharges for a driver’s first lapse in coverage, allows increases for repeated lapses, and ensures that insurers cannot deny coverage or require switching providers solely due to a lapse.

Supporting a Crackdown on Trial Lawyer Ads and Insurance Gimmicks

Governor Jeff Landry strongly supported legislation to rein in excessive trial lawyer advertising and ban insurance companies from making Louisianans foot the bill for flashy marketing campaigns. From nonstop Morris Bart commercials to the GEICO lizard, Landry made it clear: your insurance premiums should cover protection—not glitzy ads.

insurance reform that Puts People First