Protect louisiana values
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Trial Lawyers AND Big Insurance should be held accountable for rising insurance costs!
– Governor Landry
insurance reform that Puts People First
Governor Jeff Landry is taking 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: controlling costs and protecting Louisiana families.
BIG INSURANCE =
BROKEN PROMISES
Louisiana residents are forced to carry home and auto insurance, and as rates continue to climb insurance companies should be forced to be more transparent and accountable with the money you give them.
Big Insurance promised rates would go down if state laws were changed to curb lawsuit abuse. Your legislature and Governor Jeff Landry adopted nearly all of their proposals. Governor Landry signed nearly 30 bills aimed to curb lawsuit abuse and bring needed reforms to insurance, more than any recent Governor. But Big Insurance broke their promise as rates went UP and NOT DOWN.
JEFF LANDRY — TACKLING LAWSUIT ABUSE
Governor Jeff Landry delivered on nearly every request of big insurance, signing nearly 30 bills into law that were designed to both reform our insurance system and reduce the number of frivolous lawsuits and absurd damage awards. This year, Governor Landry is pushing for even more fixes to abuses in our legal system.
- Prevent illegal immigrants from recovering damages in personal injury lawsuits involving automobiles or trucks.
- Restrict obnoxious trial lawyer advertising that promotes a culture of lawsuits and prohibit false, deceptive or misleading claims.
- Force trial lawyers to PROVE an injury was a result of a car accident and not a preexisting injury or one that occurred after an accident. This would end a judicial “presumption” and crack down on false legal claims that drive up insurance costs.
- Strengthen our “No Pay - No Play” laws by placing tough limitations on what uninsured motorists can sue for. Those who ignore our laws and drive illegally without insurance coverage should not win huge awards for general damages like emotional distress and pain and suffering.
GOVERNOR LANDRY'S PLAN FOR INSURANCE OVERHAUL:
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TRIAL LAWYER ACCOUNTABILITY (TORT REFORM)
Curb excessive lawsuits and end deceptive advertising by trial attorneys that promotes a culture of lawsuits that drive up insurance costs for everyone. -
REINING IN INJURY CLAIMS
Addressing alarming statistics on inflated minor injury claims by requiring real injury evidence, not presumptions of injury, ensuring fairness, and reducing fraud. -
HOLDING INSURANCE COMPANIES ACCOUNTABLE
Empowering the Insurance Commissioner to expose hidden profits, reject bogus confidentiality claims, and protect policyholders from being overcharged. - MAKING IT HARDER FOR UNINSURED DRIVERS TO PROFIT FROM BREAKING THE LAWProposed reforms to the "No Pay, No Play" statute would bar uninsured motorists from collecting the first $100,000 in damages, sending a clear message: if you don’t carry insurance, you don’t get to cash in on the system.
- CRACK DOWN ON SOCIAL MEDIA BEHIND THE WHEELTo combat rising accident rates and insurance costs, proposed laws would ban drivers from using social media while driving, closing a dangerous loophole and aligning Louisiana with other states that take distracted driving seriously.
DID YOU KNOW?
Louisiana drivers aren’t more dangerous. Our accident frequency is in line with the national average.
- AND it doesn’t cost more to fix cars here. The data shows that the number of accidents and associated repair costs are in line with the national average.
But Louisiana is claiming way more minor injuries. The number of minor injury claims here is almost double the national average, suggesting abuse in the system.
- Just as importantly, insurance companies are enjoying a big pay day. Louisiana’s loss ratios show insurers are making more profit here than in neighboring states like Texas and Florida.
Insurance Reform & Accountability
1. Strengthening "No Pay, No Play" Laws
This bill aims to amend Louisiana’s “No Pay, No Play” statute by increasing the “award exclusion” threshold from $15,000 to $100,000. This change would prevent uninsured drivers from collecting the first $100,000 in bodily injury damages after an accident. The objective is to incentivize all motorists to maintain proper insurance coverage, thereby promoting fairness and potentially reducing overall insurance premiums.
2. Repealing the Housley Presumption
HB450 seeks to eliminate 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 linking their injuries directly to the accident, this bill aims to reduce frivolous lawsuits and ensure that only legitimate claims receive compensation.
3. Medical Billing Transparency (Collateral Source Reform)
HB34 intends to revise Louisiana’s collateral source rules to align more closely with those of Texas. The bill proposes that 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.
4. Louisiana Lawyer Advertising and Unfair Trade Practices Act
HB293 seeks to regulate attorney advertising by ensuring compliance with the Louisiana State Bar Association’s Rules of Professional Conduct. The bill aims to prohibit false, misleading, or deceptive statements in legal advertisements and bans soliciting clients within 30 days of a personal injury accident. The goal is to maintain the integrity of legal advertising and protect consumers from potentially exploitative practices.
5. Prohibiting Insurers from Passing Advertising Costs to Consumers
HB438 proposes to prevent insurance companies from including certain advertising expenses, specifically “institutional advertising,” in their rate-setting calculations. By excluding these costs, the bill aims to ensure that consumers are not burdened with higher premiums that fund broad, non-product-specific advertising campaigns.
6. Expanding the Insurance Commissioner’s Authority
This legislation seeks to enhance 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.
7. Banning Texting and Social Media Use While Driving
This bill aims to prohibit the use of social media and texting while driving in Louisiana. By addressing distracted driving, the legislation intends to reduce the number of preventable accidents, enhance road safety, and potentially lower insurance costs associated with such incidents.
8. Providing Insurance Discounts for Trucks with Dashcams
This forthcoming legislation would require insurance companies to offer premium discounts to commercial truck drivers who install and utilize operational dashboard cameras. The use of dashcams can provide clear evidence in the event of accidents, discourage fraudulent claims, and promote safer driving practices, ultimately benefiting both insurers and policyholders.
9. Ending the Use of Credit Scores in Setting Insurance Rates
This proposed bill seeks to prohibit insurers from using individuals’ credit scores as a factor in determining insurance premiums. The goal is to create a fairer and more transparent system where rates are based on relevant risk factors rather than financial credit history, which may not accurately reflect a person’s driving behavior or risk.