re: Tort (Legal) Reform is by far the biggest issue in the Louisiana Governor’s race

Our company had a company truck merge to the center on the interstate in Alabama and a car merged toward center also and they bumped. No one hurt, pulled over got police report etc. Insurance said in Alabama unless 100% proven at fault each party insurance fixes their own. In Louisiana that would have been millions to billboard lawyer scum. Why can't Louisiana law be the same as Alabama?