re: US District Court in NOLA has stayed a bunch of civil cases where fraud has been alleged.

SIAP, but the collateral source rule exists because the wrongdoer should not benefit because his victim paid for health or disability insurance to protect himself in the event of a disabling injury. Without the collateral source rule, Health care providers will stop taking health insurance because they want to put a lien on a damages recovery- which means the victim gets stuck with bills he cannot pay until the case settled - which can be years or may not be enough to pay the bills (because liability insurance companies “discount” medical bills to what they arbitrarily decide is reasonable).

And, most importantly, health insurers (including Medicare and Medicaid) surrogate against the victim’s recovery. And will continue to do so even if the recovery is less because the collateral source rule is eliminated.

Bottom line is you line insurance companies pockets (both health and liability). And screw the people who bear the costs of some knuckleheads careless driving (or drunk driving) - specifically the injured person and the doctors and nurses who cared for him.

And the at fault drivers rates aren’t going down. Allstate doesn’t care if they paid a little or a lot - they’re still raising the poor shlub’s rates. If they pay less on a claim, they simply profit the difference. It’s their business model. Rates never go down, no matter how much the civil justice system is gutted by tort reform. Why do you think all this tort reform is funded by big insurance?