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Message
re: Louisiana Insurance Crisis - It could be getting worse
Posted on 5/9/25 at 3:51 pm to Mr.Perfect
Posted on 5/9/25 at 3:51 pm to Mr.Perfect
Meanwhile, Georgia just passed significant tort reform and South Carolina and Texas are on the verge of doing so as well.
I guess as long as Gordon continues to give money to the NIL fund, Louisianians will be OK with the status quo.
I guess as long as Gordon continues to give money to the NIL fund, Louisianians will be OK with the status quo.
This post was edited on 5/9/25 at 6:12 pm
1
Posted on 5/9/25 at 5:37 pm to mule74
Lawyers are scum of the earth and main reason insurance is ridiculous in Louisiana!
Posted on 5/9/25 at 5:54 pm to andwesway
quote:
Tranny shite? 10 Commandments in Schools? Raised the sales tax on pretty much everything we buy? Called us idiots for not voting the way he wanted us to a few weeks ago? frick that dude.
He cut taxes. Bringing jobs to our state such as the steel plant and data center. But I know you won’t give him credit.
You sound like a woke tranny boi
Posted on 5/9/25 at 6:07 pm to soccerfüt
We aren’t a democracy
Posted on 5/9/25 at 6:28 pm to Zephyrius
You are wrong about Temple. He never worked at DOI until being elected commissioner.
He understands the cost drivers for auto insurance and it’s largely the incredibly unbalanced tort system that we have. If it’s not reigned in our rates will never go down.
3 primary changes are needed:
1. Do away with/modify our pure comparative negligence statutes
2. Do away with collateral source rule which prohibits medical bill transparency. Juries should be able to know what the insurance company actually paid vs just what they billed.
3. Do away with the Housely presumption in LA law that presumes any injury a person has actually came from the wreck even if it didn’t
These are major cost drivers and trust me, I know what I’m talking about.
He understands the cost drivers for auto insurance and it’s largely the incredibly unbalanced tort system that we have. If it’s not reigned in our rates will never go down.
3 primary changes are needed:
1. Do away with/modify our pure comparative negligence statutes
2. Do away with collateral source rule which prohibits medical bill transparency. Juries should be able to know what the insurance company actually paid vs just what they billed.
3. Do away with the Housely presumption in LA law that presumes any injury a person has actually came from the wreck even if it didn’t
These are major cost drivers and trust me, I know what I’m talking about.
Posted on 5/9/25 at 6:33 pm to Mr.Perfect
I covered this recently on the poli board.
https://www.tigerdroppings.com/rant/display.aspx?sp=118540660&s=1&p=118540660
https://www.tigerdroppings.com/rant/display.aspx?sp=118540660&s=1&p=118540660
Posted on 5/9/25 at 6:37 pm to SlidellCajun
quote:
Defense attorneys are as bad as the plaintiff attorney’s
Not true. I’m a defense attorney and 100% of my auto work is commercial. That’s where you see the real abuse, not on the small personal policies. If a truck has $1 million in insurance, the plaintiff attorneys will do whatever they need to do to get that money. That includes pushing their clients into multiple injections, ablations and surgeries. They are fricking evil.
Guys like me are the last line of defense between you and anarchy.
Posted on 5/9/25 at 6:43 pm to BR Rob
You should not be able to recover general damages if you do not carry insurance.
Posted on 5/9/25 at 6:46 pm to Jake88
quote:
quote: Our study of car insurance costs across the U.S. found that Maine residents have the cheapest average annual rate: $949 per year. Idaho is the next cheapest at $992 annually. For comparison’s sake, drivers in Louisiana, which has the highest sample rate in our analysis, pay a state average of $2,734 annually for car insurance. That’s almost three times the average in Maine.
So basically states with the highest % of white people have the lowest rates?
The whitest states in the US, meaning those with the highest percentage of White residents, are Vermont, New Hampshire, and Maine, with Vermont having the highest at 94.2%. Following them are states like Utah, Idaho, and Wyoming, which also have a significant proportion of White residents
Posted on 5/9/25 at 7:12 pm to Oneforthemoney
quote:No. Look at what I posted about MS and AL.
So basically states with the highest % of white people have the lowest rates?
Posted on 5/9/25 at 7:37 pm to bdavids09
quote:
You sound like a woke tranny boi
See, this sort of shite, or accusations of being pro-pedo, is the type of crap Landry supporters would resort to during the 2023 campaign, even towards folks who simply just preferred one of the other conservative Republicans on the ballot. I’ll give the Landry campaign top brass the benefit of the doubt that it wasn’t some coordinated effort to stoop to that low IQ level, but it was a theme amongst many of his supporters who didn’t even want to understand that his words vs actions was different when it came to issues like support of the oil & gas industry, and that he was, and is not, the type of conservative who would ever support decentralizing power away from the 4th Floor.
Republican version of Huey P Long.
Posted on 5/9/25 at 8:51 pm to bdavids09
quote:
He cut taxes.
when did this happen? I must have missed the corresponding spending cuts that went along with that reduction in tax revenue Posted on 5/9/25 at 9:06 pm to Slippy
quote:
Guys like me are the last line of defense between you and anarchy.
I understand but when you benefit from the fact that plaintiff attorney’s can demand unreasonable amounts, it results in cases being dragged out which helps you because you charge by the hour.
Not indicting you in particular but the overall system is perverted to help both sides of the legal aisle.
Without unreasonable plaintiff demands, your work is fairly straight forward. The more absurd the demand, the more you make on a case. True?
Posted on 5/10/25 at 9:34 am to Slippy
Slippy, you are one of the good guys. Keep fighting the good fight and thank you for your service! This is a bad situation and headed for a crisis if HB148 and/or HB 248 pass
Posted on 5/10/25 at 9:52 am to Mr.Perfect
No politician is changing the foundation for rates in La
Other than highway infrastructure, no one is going to change how insurers absorb the losses that they know they will face in La.
quote:
Car insurance in Louisiana is expensive because of the state’s high accident fatality rate, poorly-rated highway infrastructure and volatile weather patterns.
Other than highway infrastructure, no one is going to change how insurers absorb the losses that they know they will face in La.
Posted on 5/10/25 at 9:58 am to Jake88
quote:
Annual auto ins rates La $2,734 Ms $1,505 Tx $1,716 Al $1,354 Yep, frick La attorneys. Similar companies, similar demographics, similar weather.
God I’m so glad I live in Louisiana instead of texas. Could you imagine paying those property taxes?
Posted on 5/10/25 at 10:00 am to RobbBobb
The weather patterns are certainly the primary driver of property insurance costs and there’s nothing we can really do about that other than build more resilient structures.
But the argument that we have more accidents and more severe accidents because of our drivers and infrastructure is patently false and is what trial lawyers want us to believe. It’s a smoke screen to hide the real reasons our insurance costs are so high which is due to our tort system. We need serious reform here folks. But I don’t think we’ll ever get it with Jeff Landry at the helm. He is bought and paid for by the trial lawyers.
But the argument that we have more accidents and more severe accidents because of our drivers and infrastructure is patently false and is what trial lawyers want us to believe. It’s a smoke screen to hide the real reasons our insurance costs are so high which is due to our tort system. We need serious reform here folks. But I don’t think we’ll ever get it with Jeff Landry at the helm. He is bought and paid for by the trial lawyers.
This post was edited on 5/10/25 at 10:02 am
Posted on 5/10/25 at 10:14 am to BR Rob
quote:
But I don’t think we’ll ever get it with Jeff Landry at the helm. He is bought and paid for by the trial lawyers.
You mean every La governor, ever
Posted on 5/10/25 at 11:01 am to bdavids09
quote:
is Landry a Democrat or something?
Fixed it for you bud
Posted on 5/10/25 at 11:04 am to chadr07
quote:
Trump needs to come down to this hell hole and lay down the law on these crooked bastards
Thinking any politician has your best interest in mind makes you an idiot
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