re: The Louisiana legislature is a joke...heads need to roll

Louisiana rates are ridiculously high considering the population and limited urban areas. It is absolutely the result of the litigation climate, with the shitty conditions of the roads and infrastructure bringing up a close 2nd.

But, its not just the litigation, it's the industry on the plaintiff's side (especially the big advertisers). They have a checklist of medical treatment and providers for each level of liability coverage. The more coverage the other driver has, the more medical treatment (and recommended future medical treatment) the plaintiff will get.