“ Last year we passed nearly 30 bills insurance companies promised would reduce rates.
Big Insurance broke their promise and rates went up! ”
- Governor Jeff Landry
Lower Rates. More Accountability. Demand Insurance Reform Now.
Demand Insurance Reform
Louisiana families are being crushed by sky-high insurance costs. Reform can’t wait; the Louisiana legislature must act now. Gov. Landry is fighting for transparency, lower rates, and real accountability. Join the movement!
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Big Insurance =
Broken Promises
Louisianans are required to carry home and auto insurance, but while rates soar, insurance companies face little accountability or transparency for how they use your money.
Big Insurance claimed premiums would drop if lawmakers cracked down on lawsuit abuse. Your legislature and Governor Jeff Landry delivered, passing nearly 30 bills to reform the system, more than any recent governor. But instead of lowering rates, Big Insurance broke their word. Prices went up—not down
Protecting Policyholders:
Governor Landry’s Insurance Plan
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INSURANCE COMPANIES HELD ACCOUNTABLE
Empowering the Insurance Commissioner to expose hidden profits, reject bogus confidentiality claims, and protect policyholders from being overcharged. -
NO MORE QUIET EXITING
Requires insurers to notify the Department of Insurance if they stop, pause, or resume writing policies in any region, ensuring transparency and preventing surprise pullouts that leave families and businesses vulnerable. -
STOPPING UNFAIR RATE HIKES BEFORE THEY START
Empowers the Insurance Commissioner to reject excessive rate hikes from insurers, finally giving Louisiana families a watchdog with real teeth. - NO MORE 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.
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INSURANCE ADS CAN’T PAD YOUR PREMIUM
A proposed reform to stop insurance companies from passing the cost of brand-building ad campaigns on to you. Institutional advertising expenses can no longer be used to justify rate hikes, so your premium reflects your risk, not their marketing budget. -
NO MORE SECRETS IN RATE FILINGS
Gives the Insurance Department the authority to decide what insurers can keep confidential, shining a light on rate justifications and protecting consumers.
Governor Landry’s blueprint to
stop frivolous lawsuits
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Cracking down on legal advertising
Backing legislation to restrict misleading trial lawyer ads that have fueled a culture of litigation and distorted public perception. -
Ending the Housley presumption
Supporting a bill to reverse the court-made rule that automatically assumes an injury was caused by an accident, forcing lawyers to actually prove their case. -
Strengthening “No Pay, No Play” laws
Raising the damage exclusion from $15,000 to $100,000 to stop uninsured drivers from cashing in on minor injury lawsuits. -
Blocking payouts to undocumented individuals
Supporting a measure that bars illegal immigrants from benefiting from Louisiana’s insurance system, ensuring only lawful residents can file claims. -
Protecting against frivolous claims
Advocating for a law that requires legitimate medical evidence and documentation to move forward with personal injury suits.
2024 Tort Reform Wins Under Landry
In just over a year, Governor Jeff Landry signed 27 bills aimed at cracking down on lawsuit abuse and restoring integrity to Louisiana’s legal system. These conservative-driven reforms, many of which had previously been vetoed, are now law, and they lay the foundation for the stronger reforms Landry is pushing in 2025.
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LITIGATION TRANSPARENCY
Laws passed requiring disclosure of third-party litigation funding, exposing hidden interests behind lawsuits and increasing accountability in the courtroom. - REFORM OF OFFERS OF JUDGEMENTA 2024 win that discourages gamesmanship by rewarding defendants when plaintiffs reject fair settlement offers, helping reduce unnecessary legal costs.
- COURTROOM EVIDENCE STANDARDSTighter evidentiary rules and more stringent requirements to support injury claims, keeping baseless cases from clogging the system.
- DIRECT ACTION LIMITSRestricting the ability to sue insurance companies directly in all but the most necessary cases, bringing Louisiana in line with conservative reforms in other southern states.
These reforms reflect a broader conservative vision: less abuse, more accountability, and a fairer legal system that serves working families, not special interests.
For more on Governor Landry’s full tort reform and insurance accountability agenda, visit: Louisiana.gov
Want to stop lawsuit abuse?
Governor Landry already is.
“ Trial Lawyers and
Big Insurance need to be held accountable. ”
- Governor Jeff Landry
Fixing Insurance. Demanding Accountability.
1. 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.
2. 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.
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. 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.
5. 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.
6. 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.
7. 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.
8. 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.
9. 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.
About the Bills
- HB 677 - Cracks down on obnoxious trial lawyer ads.
- HB 450 - Ends “Housely Presumption” that drive frivolous & fake injury claims.
- HB 434 - Strengthens “No Pay, No Play” to stop payouts to uninsured drivers.
- HB 436 - Stops illegal immigrants from profiting off personal injury lawsuits.
- HB 248 - More transparency of what insurance companies do with your money.
- HB 496 - Protects you from massive penalties over minor policy lapses.
- HB 549 - Mandates insurance discounts for truckers using safety cameras.
- HB 438 - Blocks insurers from making you pay for their advertising.
TAKE ACTION NOW!
get involved
2.
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