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Fallout from Hurricane Ian is expected to worsen Louisiana’s insurance crisis

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Fallout from Hurricane Ian is expected to worsen Louisiana’s insurance crisis


NEW ORLEANS (WVUE) – The toll of mega storm Ian will go effectively past Florida. Harm brought on by the hurricane in southwest Florida is anticipated to make the insurance coverage disaster in Louisiana worse.

Stephen Lovecchio is a department proprietor with TWFG Insurance coverage.

“It is usually going to harm particularly numerous the businesses that function in Louisiana as a result of in addition they function in Florida, In order that they’re going to get damage in Florida, and it’s going to harm us in Louisiana as effectively,” Lovecchio stated.

Dan Burghardt owns an insurance coverage company bearing his title.

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“What occurs in Florida doesn’t keep in Florida,” stated Burghardt. “These firms which might be in Florida are additionally doing enterprise in Louisiana, a number of of them, and they are going to be affected.”

He thinks the catastrophic injury in Florida will affect insurance coverage charges.

“Improve in premiums would be the main first affect, price will increase and their dedication to remaining as an insurer is as much as them,” stated Burghardt.

Lovecchio thinks some insurers could depart the trade.

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“Probably one or two extra carriers going out of enterprise simply from not having sufficient reinsurance protection from damages that they might have gotten within the final day or so in Florida, could be an excessive amount of for them,” he stated.

Reinsurance is protection insurance coverage firms purchase.

“It would positively have an effect on us from the reinsurance standpoint of constructing it more durable to get reinsurance and extra pricey for all of the carriers that function not simply right here in Louisiana however alongside the gulf coast for hurricanes, for hurricane protection,” stated Lovecchio.

Sen. Kirk Talbot, R-River Ridge, chairs the Senate Insurance coverage Committee.

“Ian will clearly stress than reinsurance market additional, which implies we’ll simply should be vigilant and be aggressive in making an attempt to draw firms to return right here and attempt to do every little thing we will to decrease charges, and that’s what we’re doing,” stated Talbot.

He stated Florida’s insurance coverage market was having critical issues earlier than Ian hit.

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“The insurance coverage market and the insurance coverage surroundings in Florida Hurricane Ian was actually, actually a catastrophe. They have been having large issues there, numerous firms failing,” stated Talbot. “So, issues which might be taking place exterior of Louisiana are having an antagonistic impact on us right here.”

Talbot is engaged on an incentive bundle to assist appeal to extra insurers to Louisiana.

“The motivation program that was carried out proper after Katrina earlier than I used to be in legislature, however proper after Katrina was very profitable, so now we have a template on what has labored, the distinction between that one and this one is that they nonetheless have to write down insurance policies beneath Interstate 10, however with this incentive program, in the event that they use the motivation cash, they bought to tug insurance policies out of Residents,” he stated.

Louisiana Residents is the state’s insurer of final resort. Revenues for the incentives should nonetheless be acknowledged by the state Income Estimating Committee.

Brokers say insurers will wait till this hurricane season is over to start writing storm protection. Lovecchio thinks the motivation bundle must have in mind firms already doing enterprise within the state.

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“It must be a little bit bit larger. What that might do is permit the businesses which might be nonetheless working in Louisiana to begin writing extra enterprise, as a result of the significance of them writing extra enterprise is that we don’t assume we’re going to get numerous new carriers coming into Louisiana,” Lovecchio acknowledged. “So, if we might help the businesses which might be at the moment writing by incentivizing them to tackle extra enterprise as a result of they’ll want the cash to tackle extra enterprise, that’s most likely going to be our greatest choice within the quick time period to move off 2023, which might be worse than 2022.”

Louisiana Governor John Bel Edwards is in London and on Thursday, Sept. 29, he and a few enterprise leaders met with executives of Lloyd’s of London’s insurance coverage market on the insurance coverage disaster.

“They’ve been a serious insurer of U.S. companies and private property markets and business property. I’d say 40% of the US premiums go to Lloyds,” Burghardt stated.

Edwards’ workplace stated discussions centered on Louisiana’s relationship with the insurance coverage trade and the way the state can retain main insurers.

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Louisiana votes to make abortion pills controlled substances

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Louisiana votes to make abortion pills controlled substances


Louisiana has become the first state to pass a law that designates abortion pills as dangerous controlled substances.

Once Gov. Jeff Landry signs the bill into law, as he is expected to do, possession of the drugs mifepristone and misoprostol without a prescription would be a crime punishable with possible fines and jail time.

Louisiana already has a near-total abortion ban, so the medications, which are also used for miscarriages and ulcers, are only available in that state under limited circumstances.

Medical experts warned of the bill’s dangers.

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“What it’s going to do is make it harder to use these drugs safely and legally,” Dr. Jennifer Avegno, director of the New Orleans Health Department and organizer of a letter opposing the bill, told the New York Times. “It’s going to create confusion, fear, barriers to using these drugs for all of their non-abortion indications.”

But Republicans and the anti-abortion groups have claimed that abortion rights groups of creating unnecessary fear over the legislation, the Times reported.

“This legislation does NOT prohibit these drugs from being prescribed and dispensed in Louisiana for legal and legitimate reasons,” State Attorney General Liz Murrill posted on social media.

Abortion opponents have argued that abortion pills are unsafe, making that claim in a lawsuit before the U.S. Supreme Court that seeks to curtail access to mifepristone, the first pill in the two-drug medication abortion regimen that now accounts for nearly two-thirds of abortions in the United States.

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Many patients who live in Louisiana or other states with abortion bans have traveled to states where abortion remains legal to get medical care, or they have received prescriptions and pills from doctors and nurses in other states under shield laws. Those methods of getting abortions are unlikely to be affected by the new bill, the Times reported.

David Cohen, a law professor at Drexel University in Philadelphia, told the Times that a relatively small number of people might be vulnerable to penalties under the bill, including volunteers who help provide nonprescription pills to some communities and women who order abortion pills as protection in case they get pregnant.

“It may make some people think twice, and it may expose some people to criminal prosecution who right now are not exposed,” he said. But, “this is not going to stop people in Louisiana from getting and using abortion pills,” he noted.

Still, Michelle Erenberg, executive director of Lift Louisiana, a reproductive rights organization, said abortion rights groups would explore a legal challenge to the bill.

“I definitely have concerns about this being replicated in other states,” she told the Times.

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More information:
KFF has more on the abortion pill.

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Louisiana descends into dystopia with historic law on abortion pills | Arwa Mahdawi

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Louisiana descends into dystopia with historic law on abortion pills | Arwa Mahdawi


There’s something rotten in the state of Louisiana

Louisiana is not a great place to get pregnant. If you need an abortion, a near-total ban means it’s almost impossible to get one, even in cases of rape or incest – anyone who provides an abortion deemed illegal can go to jail for 15 years. And if you plan on having the baby, you have to deal with some of the highest maternal mortality rates in the US. Although, as Senator Bill Cassidy has helpfully noted, “if you correct our population for race, we’re not as much of an outlier as it’d otherwise appear”. In other words, if you ignore Black people (a third of his constituents), things look a little better. So that’s OK then!

This week, Louisiana decided to descend further into dystopia and passed a first-of-its-kind law making abortion pills a controlled substance. Senate Bill 276 makes possession of the abortion pills mifepristone and misoprostol without a prescription punishable by up to 10 years in prison.

Republicans excel at using sneaky tactics to undermine our rights, and this bill is no exception. When it was originally put forward, you see, the bill didn’t include the amendment that turns abortion pills into Schedule IV drugs – a classification normally given to dangerous or addictive substances. Rather, the bill was positioned as a way to protect pregnant people by making it a crime to intentionally give an abortion-inducing drug to a pregnant woman without her consent. Everyone can get behind that idea, right?

There was also an emotional story behind the legislation that made it easy to sell. Senator Thomas Pressly, the author of the bill, explained that his sister, Catherine Herring, had been slipped the abortion pill by her soon-to-be-ex-husband. Various outlets have said that Herring then managed to save the baby through a “medical abortion reversal process”. KTBS, for example, a Louisiana media outlet, reported that Herring “used a pill-reversal regimen and her baby is still alive”.

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I’m sorry … what? I’m not a doctor but this story sounds medically implausible. Sara Pentlicky, who is a doctor (a gynecologist) and an abortion provider, told me much the same thing.

“If [Herring] took medication abortion pills and was still pregnant with a baby, the only explanation is that the pills didn’t work, which is a possibility,” Pentlicky said when I ran the scenario past her. There are, however, she notes, organizations that “prescribe progesterone to people who have taken medication abortion pills with the false information that it can reverse the medication abortion”. The New York attorney general is currently cracking down on these organizations, and the American College of Obstetricians and Gynecologists has said the procedures are “unproven and unethical”. They’re also dangerous: a recent study looking at the effects of progesterone on people who had taken mifepristone was halted after “the third hemorrhage”.

To be clear, I’m not saying Pressly is lying about what his sister went through: Herring’s husband pleaded guilty to injuring a child and the assault of a pregnant person and was sentenced to six months in jail. But it does rather feel like Pressly has weaponized elements of his sister’s story to position a regressive law as a way to protect women. That’s certainly how it’s being defended following a backlash to the law, anyway. On Friday, for example, Landry tweeted that safety was the motivation behind the bill. “Proud to stand with our legislature to ensure this drug can be obtained legally and safely – ensuring the protection of all women. Without this bill, women and the unborn are more susceptible to predators,” Landry said.

Let’s be very clear here: this isn’t about protecting women at all. Rather it’s about making abortion pills even more difficult to access in Louisiana than they already are. More than 200 doctors in Louisiana have signed a letter to lawmakers warning that reclassification could provide a “barrier to physicians’ ease of prescribing appropriate treatment” and cause unnecessary fear and confusion among patients and doctors. Which, of course, is exactly what anti-abortion activists want.

Perhaps the most depressing aspect of all this is that it’s almost certain that Louisiana has just set a dangerous new trend. As Pentlicky notes: “Every time a state succeeds in passing any type of abortion restriction, we see other states follow suit – it just becomes more and more egregious.”

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In short, expect Louisiana’s crackdown on abortion pills to come to a red state near you soon.

Texas doctor who said nine-year-olds can safely give birth now on maternal mortality committee

Looks like Texas is giving Louisiana a run for its money when it comes to the worst US state to be female.

British teacher charged with hate crime for calling Rishi Sunak and Suella Braverman ‘coconuts’

Marieha Hussain has been charged with a racially aggravated public order offence for a placard at a pro-Palestinian demonstration poking fun at the British prime minister and former home secretary by depicting them as coconuts. It’s fair to debate whether the term “coconut” (which is used in British ethnic minority communities to mean someone brown outside and white inside) is offensive, but criminalizing a brown woman for using it to criticize two brown politicians who have thrown their weight behind racist policies is outrageous. Let’s not forget that Sunak wants to deport asylum seekers to Rwanda, and, during her stint as home secretary, Braverman brought in dystopian anti-protest legislation that has just been ruled unlawful and undemocratic. I can think of a lot worse things to call the pair of them than “coconuts”. This feels a lot like yet another way of punishing pro-Palestinian speech.

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What does Donald Trump think about birth control?

On Tuesday, Trump suggested that he would be open to restricting access to birth control and would have a policy on that “very shortly”. After a lot of alarmed headlines, he announced on Truth Social that: “I DO NOT SUPPORT A BAN ON BIRTH CONTROL.” The all-caps do not make this assurance any more convincing.

There’s a new reality TV dating show called ‘Virgin Island’

You will be able to guess from the name exactly what Virgin Island is about. In other abstinence-related news, celibacy is very hot right now. And if a President Trump does outlaw birth control, I imagine it will become even more popular.

Epidural in labour can reduce risk of serious complications by 35%

A new study suggests expanding access to epidurals, particularly in women who are delivering prematurely, could improve maternal health.

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Nicola Coughlan shows that you don’t need to sacrifice your morals for success

I’ve been delighted to watch the Bridgerton actor (who got her big break in the amazing Derry Girls) go from strength to strength. Unlike a lot of other celebrities, the 37-year-old isn’t a cowardly nepo baby: the self-made actor has consistently spoken out about the humanitarian crisis in Gaza despite being warned that calling for a ceasefire could harm her career. Just take that in for a moment, will you? We live in a world where calling for a ceasefire in the middle of a genocide can hurt your career. Meanwhile, Amy Schumer, the self-proclaimed “most successful female comedian of all time”, has shared outrageously racist statements about Palestinians without facing any career consequences whatsoever.

The week in pawtriarchy

Spotted a cute, bandit-faced critter out and about? Then it’s time to dial 1-800-BAD-RACCOON! Tokyo is currently at war with its raccoon population, which grew out of control after a 1970s TV show reportedly led to people importing the animals and keeping them as pets. Now they’ve gone from pets to pests and certain areas of the city are launching hotlines for people to call and report naughty raccoons.



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Diamond Dogs down Bearkats, Louisiana Tech advances to CUSA semifinals

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Diamond Dogs down Bearkats, Louisiana Tech advances to CUSA semifinals


MONROE, La. (KNOE) – Louisiana Tech took care of Sam Houston, 5-3. Dalton Davis hit two home runs for three RBIs, while Michael Ballard accounted for the Bulldogs other two runs. Sam Brodersen shut down the Bearkats’ rally (3.1 IP, 1 H, 0 ER, 5 K, 1 BB) and Ethan Bates collected his 16th save to seal the deal. Louisiana Tech advances to Saturday’s semifinal against Liberty. The Bulldogs have to beat the Flames twice to move on to Sunday’s championship game.



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