Louisiana’s Gov. Landry outlined a sweeping has a plan aimed at tackling sky-high auto insurance rates. He even admits that all previous work to do so, was wasted.

If the plan comes to fruition in the upcoming regular legislative session, Landry said it will hold both trial lawyers and insurance companies accountable, target frivolous claims and bring greater transparency to the state’s insurance market.

“One of the most pressing issues affecting the budgets of Louisiana families is the cost of insurance. … We passed dozens of bills last year that we were told were going to lead to lower rates, and yet we stand here today seeing very little improvement,” Landry said

Landry contended that both aggressive trial lawyers and profit-hungry insurance companies are to blame for Louisiana’s auto insurance crisis.

Landry pledged to support legislation that restricts attorney advertising, which he said fuels a culture of frivolous injury claims.

Landry wants to reverse a court-imposed law mandating that injuries claimed after an accident are presumed to be caused by that accident. His proposal would require plaintiffs to prove their injuries resulted directly from their accidents, thereby making it more difficult to file frivolous claims.

Currently, Louisiana’s “No Pay, No Play” law prohibits uninsured drivers from claiming damages for the first $15,000 in personal injuries after an accident. Landry wants to raise that figure to $100,000 to further discourage driving without insurance.

Landry wants to restrict insurance companies from labeling financial data as “confidential and proprietary,” thereby making it more difficult for them to hide key information from consumers and regulators.

Landry also wants to ban texting and social media use while driving; limit the ability of undocumented immigrants to benefit from Louisiana’s insurance system; give commercial trucks with dashboard cameras a 5% premium discount; prohibit using credit scores to set rates; and prevent insurance companies from punishing drivers who had a lapse in coverage but weren’t actually driving during that lapse.

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