re: Louisiana insurance rates

A very similar thing happened to me when I lived in Lake Charles in 2019. Was pulling out of the Kroger parking lot and the car in front of me stopped short and I hit her. Not a scratch on either of our cars, but she had a 2 year old son in the car. She got out and was hysterically crying saying both her and her son where hurt. She had her whole entire family show up (literally 12 people). An ambulance, firetruck, 3 police officers all came in hot. The officer writing the report told me "yea im sorry about this but your insurance rate is about to sky rocket."

My insurance settled with this girl for 20K. This was her third insurance payment in the last 18 month. This girl was my age.

TL,DR: Insurance rates will never go down because POS plaintiff attorneys can make money on anything.