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Started By
Message
re: Louisiana Residents - Your Senators Standing in the Way of Lowering Your Insurance Rates
Posted on 5/9/19 at 8:58 am to yellowfin
Posted on 5/9/19 at 8:58 am to yellowfin
quote:
Where did you move to? I moved from Katy, TX to Lafayette in 2010 and my rates dropped
Hammond - lived in Cypress area in Houston.
0
Posted on 5/9/19 at 9:08 am to theronswanson
quote:
Ask the medical malpractice insurers who pushed for "reform" years ago. They got what they wanted and premiums didn't go down but profits skyrocketed.
If consumers think the profits will be passed on to consumers in the form of lower premiums, I have a lovely bridge over Lake Ponchartrain to sell you.
You act like there isn't evidence across the country that says LA is doing it wrong.
Mississippi, a state with very similar demographics, has annual premiums that are $900 lower than LA, on average.
Posted on 5/9/19 at 9:17 am to yellowfin
quote:
I moved from Katy, TX to Lafayette in 2010 and my rates dropped
quote:
I moved from Katy, TX to Lafayette in 2010 and my rates dropped
It's 2019 baw... but thanks for the history lesson
Posted on 5/9/19 at 9:19 am to Fun Bunch
quote:
There are ways to do reform right, this was simply to get votes.
And those ways are...?
Posted on 5/9/19 at 9:22 am to Festus
I don't think anyone is advocating that the injured party can't sue if needed. Yes, there are insurance companies that try to get out of paying claims, and they need to be held to account.
But 49 other states do it differently, and better, than we do. It's not like the ideas proposed are some crazy, radical, unproven ideas.
But 49 other states do it differently, and better, than we do. It's not like the ideas proposed are some crazy, radical, unproven ideas.
Posted on 5/9/19 at 9:35 am to LSUFanHouston
quote:
But 49 other states do it differently, and better, than we do. It's not like the ideas proposed are some crazy, radical, unproven ideas.
I completely agree. I'm on the side of reform. Something has to be done. The fact that La. only trails Michigan in insurance rates is inexplicable and needs to be addressed. We have to change what we're doing.
It's the same thing with opioid use. Why in the world does La. prescribe more opiods than any other states? We're always in the top 1-3 in the country. Reform is completely needed. It's embarrassing and costly. And the effect on insurance rates is staggering.
Posted on 5/9/19 at 9:44 am to Festus
quote:
It's the same thing with opioid use. Why in the world does La. prescribe more opiods than any other states? We're always in the top 1-3 in the country. Reform is completely needed. It's embarrassing and costly. And the effect on insurance rates is staggering.
Once these auto insurance / legal climate reforms are done, we need to start having some serious discussions about doctors. I'm willing to bet that some of the same doctors that are running up the opioid prescriptions are also the ones involved with these bogus medical procedures after auto accidents.
Of course not all doctors are like that - only a minority are - but we need a better way to deal with this.
Part of this may be culture.
A couple of years ago I had a small procedure done on my shoulder. As I was leaving the surgery center, the doc gave me a few scripts, including one for percoset. He told me, "fill if if you think you need it". I was stunned... why would he give me that unless he and I were damn sure I needed it? I could have easily filled it, sold it, and noone be the wiser.
Posted on 5/9/19 at 9:47 am to LSUFanHouston
quote:
Once these auto insurance / legal climate reforms are done, we need to start having some serious discussions about doctors
You could theoretically kill 2 birds with one stone lol
Posted on 5/9/19 at 9:48 am to Festus
quote:
I completely agree. I'm on the side of reform. Something has to be done.
I was being hypercritical of insurance but its hard not to be on my side of things. All at the same time our side has issues. For one, the bar association could do us all a favor and curtail the advertising in several ways. I'm sure lamar would lobby against that.
But this is what I know to be an absolute truth in our business - adjusters and defense attorneys are co-dependent with plaintiff attorneys. Whenever either side tries to lay claim to some moral high ground I just laugh.
Posted on 5/9/19 at 9:51 am to SlowFlowPro
quote:
JBE would likely line item everything except for the 2 year prescriptive period
I think this would do a lot. I can buy the jury trial limit being lowered, but this would actually help judicial economy in addition to the intended effect of lowering costs. It seems trying to pass this by itself doesn't have the support. Everyone wants a package deal with 10 other things.
This post was edited on 5/9/19 at 9:52 am
Posted on 5/9/19 at 9:54 am to LSUFanHouston
quote:
Once these auto insurance / legal climate reforms are done, we need to start having some serious discussions about doctors. I'm willing to bet that some of the same doctors that are running up the opioid prescriptions are also the ones involved with these bogus medical procedures after auto accidents.
Of course not all doctors are like that - only a minority are - but we need a better way to deal with this.
FYI, I recently went to a conference and a doctor addressed this. Don't quote me on the numbers, but it's the idea I'm trying to get across. He had the numbers, in LA, something like 6% of the doctors are responsible for 90% of the opioid prescribing.
There's a very small group of doctors in LA that are severely abusing the process prescribing. They are giving a black eye to the other 94%. And the names of those doctors are NO surprise to anyone in the business.
RMC: I agree with you. There is no moral high ground. I've seen the best and worst of both. I've come to the point in my life where I've just accepted it, and try to make the best of what I do for a living.
Posted on 5/9/19 at 2:59 pm to slackster
quote:
You act like there isn't evidence across the country that says LA is doing it wrong.
Mississippi, a state with very similar demographics, has annual premiums that are $900 lower than LA, on average.
Demographics are just one small component. I've lived coast to coast and the driving habits in Louisiana are atrocious. Tailgating in the left lane so the person will move is NOT normal driving in the 49 other states. That's just one example.
The infrastructure in Louisiana is so bad I can only compare it to a third world country. I am amazed premiums are as low as they are.
But if you think the insurance companies that pay out less for accidents will result in lower premiums you are naive. They are a business first.
Posted on 5/9/19 at 3:42 pm to oreeg
The most surprising thing in this entire thread is that a white guy is the rep from port Allen.
Posted on 5/9/19 at 3:46 pm to oreeg
quote:
John Milkovich - Shreveport
this guy again...mother piss buckets
Posted on 5/9/19 at 3:48 pm to rmc
2 year prescription would be huge
Way less day before petitions to file for plantiff’s attorneys and more focus on pre-litigation
Way less day before petitions to file for plantiff’s attorneys and more focus on pre-litigation
Posted on 5/9/19 at 3:51 pm to Fun Bunch
quote:
You idiots have no idea what a disaster that bill would have been. Utter disaster.
attorney alert attorney alert attorney alert.
Posted on 5/9/19 at 3:52 pm to Chad504boy
Lowering the Jury threshold overnight to 5k would be an utter disaster for our court system.
If you want to lower it slowly over a number of years go for it.
Doing it like that would cause chaos you can't comprehend.
If you want to lower it slowly over a number of years go for it.
Doing it like that would cause chaos you can't comprehend.
Posted on 5/9/19 at 3:58 pm to Fun Bunch
quote:
Lowering the Jury threshold overnight to 5k would be an utter disaster for our court system.
If you want to lower it slowly over a number of years go for it.
Doing it like that would cause chaos you can't comprehend.
that's what attorneys in LA want the masses to think.
Posted on 5/9/19 at 4:08 pm to Chad504boy
as opposed to insurance agents like yourself?Posted on 5/9/19 at 4:09 pm to Fun Bunch
Chad sells insurance to his high school buddies in Lacombe to pay for Braydon’s travel ball. Ignore him.
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