re: Welp... Landry actually signed some tort litigation reform bills

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and 2 of the major business ventures (Meta) are due to Landry administration.

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What?

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Sad reality is they can do all this but the insurance companies won’t lower premiums. Why would they? We pay it. Both sides are corrupt as hell but they need each other to survive.

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Well... the one thing the "other side" has right about this is that Louisiana is not a competitive market for auto insurance because it is required by law.

I think it should be pure "pay to play" in that:

1) liability insurance is no longer required;

But

2) no auto liability insurance = complete bar from filing suit/recovery

And

3) your damages against a 3rd party are capped at the limits of auto liability insurance you carry (plus your UM limits if you carry it).

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The current tort reform bills (fault limits, no pay/no play, etc.) are good, but they’re not addressing the medical billing scam, which is a huge part of the problem. Injury lawyers send clients to certain doctors who skip insurance and bill at inflated rates through liens, then use those fake prices in court to boost settlements. It’s legal, but it’s driving up everyone’s insurance premiums — and nobody's fixing it.

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While this is true, the same is true for nearly ALL doctors and hospitals.

As soon as they find out a patient was hurt in a wreck, they won’t take insurance. This isn’t just the docs in bed with plaintiff’s lawyers. This is the vast majority of all medical providers. It doesn’t matter if you have a lawyer, don’t have a lawyer, or plan on never getting a lawyer - most doctors and hospitals will not bill your insurance, they’ll just send you a bill (or send your lawyer a lien) for the full amount.

If you want to do away with the doctors and lawyers who work together to inflate bills, you’d have to also require all medical providers to accept medical insurance regardless of whether someone was in an accident.

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The current tort reform bills (fault limits, no pay/no play, etc.) are good, but they’re not addressing the medical billing scam, which is a huge part of the problem. Injury lawyers send clients to certain doctors who skip insurance and bill at inflated rates through liens, then use those fake prices in court to boost settlements. It’s legal, but it’s driving up everyone’s insurance premiums — and nobody's fixing it.

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Morris Bart hosts an annual Christmas party every year at a restaurant in the quarter for all of the doctors he uses in his cases. I cannot for the life of me understand how something like this is allowed.

People cannot hate scumbag lawyers enough

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The current tort reform bills (fault limits, no pay/no play, etc.) are good, but they’re not addressing the medical billing scam, which is a huge part of the problem. Injury lawyers send clients to certain doctors who skip insurance and bill at inflated rates through liens, then use those fake prices in court to boost settlements. It’s legal, but it’s driving up everyone’s insurance premiums — and nobody's fixing it.

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This. I was at fault in an accident and this exactly how they got the max from the insurance company for every person in the car.

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but it gives those doctors and lawyers a chance at a better life so it increases the level of happiness in the world

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The no pay no play limits is awesome.

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Not really. They slipped in the $100,000 exemption. That is a very easy hurdle to clear. I really doubt Gordon is taking on a lot of $50,000 claims.

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Uninsured drivers are barred from collecting unless damages exceed $100,000 (bodily injury or property).

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Come on over to Alabama

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the only place in the world that has more lawyer billboards than Louisiana

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Expanded No Pay/No Play:
Uninsured drivers are barred from collecting unless damages exceed $100,000 (bodily injury or property). This pushes more people to carry insurance and improves the overall risk pool.

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Knowing human behavior, I can't see how this doesn't just set the new floor at $100,001. I'm not a lawyer nor in the insurance business so I have no idea what hurdles are needed to even have reasonable grounds for that high of a claim by an uninsured motorist (outside of bodily injury, but I would think many of those claims would be sub-$100k).

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End of Housley Presumption:
No more automatic assumption that a medical condition shortly after an accident was caused by it. Makes injury claims harder to prove — reduces inflated payouts.

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Dr. Plantz already cashed out.