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Make insurance companies play by the rules.
Did you know that insurance companies purposefully deny legitimate claims in order to force disaster victims to accept low settlements? Or that they charge higher auto insurance rates to people based on their gender, education, occupation, marital status, and other factors that have nothing to do with driving?
A hurricane victim shouldn’t have to spend months in temporary housing because their insurance company refuses to pay. A plant worker shouldn’t pay hundreds more for car insurance than a corporate CEO just because he wears a blue collar to work.
We have the power to reform insurance in Louisiana and make the big companies play by the rules.
Make the insurance industry transparent.
To bring down insurance rates and get claims covered, we need to know how insurance companies make their money and how they spend it. How much of your premium goes to the countless insurance commercials on TV? How much goes to naming rights of football games? Right now we just don’t know.
If we identify the causes of high insurance rates, we can fix them permanently. We need transparency.
Make the insurance commissioner do his job and increase competition.
Experts from both sides of the political spectrum agree Insurance Commissioner Jim Donelon is failing to properly regulate the insurance industry, and also failing to create the proper amount of competition in the insurance marketplace.
The insurance commissioner has many tools at his disposal to lower our insurance rates, but he refuses to use them. According to official campaign finance reports, the insurance commissioner received $680,000 from the insurance industry from 2015 to 2019.
It’s time for our people and our elected representatives to stand up and hold our insurance commissioner accountable.
Stop pretending tort reform will lower insurance rates.
Big corporations and insurance companies have spent years telling us that the reason we have high insurance rates is our “legal climate.” It's a lie, meant to deny access to the judicial system to protect big corporations from liability and pad insurance company profits. Experts from within and outside the insurance industry have said repeatedly that tort reform will not lower insurance rates in Louisiana.
Big companies want tort reform to pad their profits at the expense of workers. If we pass tort reform and say it’ll fix insurance rates, it’ll be years before we enact real solutions to our problems. We don’t have time to wait.