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The Louisiana Senate passes contentious car insurance bills. See who won and who lost.

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The Louisiana Senate passes contentious car insurance bills. See who won and who lost.


Gov. Jeff Landry showed who’s the boss at the State Capitol when he rammed a car insurance bill through the Senate late Wednesday night over the vehement objections of Insurance Commissioner Tim Temple and business trade groups.

House Bill 148 would grant the insurance commissioner greater authority to reject “excessive” rate increases, which Landry has said several times would prompt him to blame Temple if rates remain high. With a last-minute amendment sought by the governor, HB148 also would require insurance companies to make their rate filing requests public. They say this could force them to expose trade secrets.

But balancing out the scales, the Senate also passed five bills that affect who can sue and how much they can collect – measures that Temple, the insurance industry and their business allies say would reduce payouts and thus reduce rates. The Senate passed the bills over the opposition of trial lawyers and their Democratic allies.

“What just passed out of the Senate, and if passed into law, would be the most comprehensive insurance reform in Louisiana’s history,” said Sen. Patrick McMath, R-Covington. “These changes are geared toward addressing the unaffordable car insurance crisis in Louisiana.”

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Sen. Jay Luneau, D-Alexandria, offered a different take.

“We’re just taking away more people’s rights, and rates won’t go down,” he said, adding that the Senate’s rush to approve bills with late changes “leads to bad legislation.”

Temple supported the pro-insurance industry bills that passed but slammed the rate increase bill.

“It’s a false claim that rates are high because the commissioner doesn’t have some magical power,” he said. “It doesn’t address the fundamental problem in Louisiana – bodily injury and legal abuse.”

In sum, senators said, Landry emerged as the big winner politically, while Temple and the insurance industry appear to have had mixed results, with trial lawyers seemingly on the losing end.

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Wednesday’s late night action sets up Landry to sign a raft of car insurance bills as early as Wednesday next week, legislative sources said.

He will sign all five bills passed by the Senate Monday night, the governor’s office said Thursday, although whether all five bills will have won final House approval by then is not clear.

The fight over how to address high car insurance rates has been the highest profile political battle since the legislative session began in mid-April.

Landry and legislators have been pulled by both sides throughout, with Temple and his business allies on the offensive and trial lawyers and their allies playing defense.

The governor has repeatedly positioned himself in the middle, saying he doesn’t like billboard lawyers (although he went turkey hunting in Texas with several prominent trial attorneys just before the session began) but also believes that insurance companies are earning big profits in Louisiana.

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In a speech Thursday in New Iberia, Landry said a study by the National Association of Insurance Commissioners shows that Louisiana is an outlier on one key metric: “Our minor injury claims are double the national average,” he said.

Temple has said Louisiana has had twice as many minor injury claims as New York even though that state counts five times as many residents.

Senate President Cameron Henry has been talking with Landry and Senate colleagues for days about how to handle the nearly 20 pro-insurance industry bills that passed the House.

Henry, R-Metairie, outlined his plans to Republican colleagues Wednesday afternoon in a private meeting in the Senate dining room: the Senate would approve five bills.

House Bill 450 by Rep. Michael Melerine, R-Shreveport, would require someone who sued over injuries in a car accident to show that the injuries actually occurred during the accident. HB450 goes to Landry for his signature.

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House Bill 434 by Rep. Jason DeWitt, R-Alexandria, would disallow a driver without car insurance from collecting an award for bodily injury medical expenses for any amount below $100,000, up from $15,000 today. HB434 also goes to Landry for his signature.

House Bill 431 by Rep. Emily Chenevert, R-Baton Rouge, would bar drivers responsible for at least 51% of an accident from receiving a damage award to cover their injuries. Under current law, a driver responsible for, say, 51% of the accident can collect a payment equal to 49% of the overall damage award. Because of an amendment added to the bill, HB431 needs House approval before it can become law.

House Bill 436 by Rep. Gabe Firment, R-Pollack, would prohibit undocumented immigrants who are injured in car accidents from collecting general damages. HB436 requires the House to accept the Senate changes to the bill.

Senate Bill 231 by Sen. Mike Reese, R-Leesville, would allow lawyers for insurance companies to tell jurors how much people injured in wrecks actually pay in medical bills. Under current law, jurors hear the total amount billed, regardless of what the plaintiff paid. A House committee is slated to take up SB231 next week.

Temple said HB431, HB450 and SB231 would “move the needle forward.”

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Senate Democrats argued against the five bills, saying the Legislature has passed a host of pro-industry bills over the years, yet rates never come down.

Luneau, Sen. Sam Jenkins of Shreveport and Sen. Royce Duplessis of New Orleans all offered amendments to the Republican-sponsored bills that, if passed, would mandate a 2% reduction in rates. Republicans rejected those amendments on each bill.

Democrats also pointed to an April report by the National Association of Insurance Commissioners which said that in 2023, insurance companies in Louisiana had the third highest underwriting profit, the fourth lowest loss ratio and the fifth highest return on net worth.

As part of Henry’s plan, the Senate also would adopt HB148 – the measure that Landry most wanted and that Temple didn’t want – after it had been amended.

HB148 is the only bill Landry testified in favor of during the legislative session, saying last month that Temple should want to have greater authority to hold down rates.

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Senators expressed reluctance privately in recent days to advance the bill because it didn’t require the commissioner to cite actuarial data in rejecting proposed rate increases.

But Landry lobbied hard to get them to approve it Monday night, senators said Thursday. The amended version now includes actuarial language.

Sen. Kirk Talbot, a River Ridge Republican and a close friend of Henry’s, pushed the bill through the Senate.

That task fell to Talbot even though he has been one of the insurance industry’s strongest allies.

Talbot didn’t return a phone call Thursday.

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HB148 returns to the House for approval of the Senate changes.



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Louisiana’s disappearing coast could shape Baton Rouge’s future

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Louisiana’s disappearing coast could shape Baton Rouge’s future


BATON ROUGE, La. (WAFB) – South Louisiana’s coast has long served as a natural buffer between communities and rising water.

But since the 1930s, Louisiana has lost nearly 2,000 square miles of coastal land.

Dr. Torbjorn Tornqvist, a professor at Tulane University, said Louisiana is one of the most vulnerable coastal areas in the world because of climate change, sea level rise and subsidence.

“Louisiana is arguably one of the most vulnerable… perhaps the most vulnerable coastal zones in the world when it comes to climate change and sea level rise… and there are several reasons for that but one important reason is that we have high subsidence rates, and that means sea level rise here is a lot faster than the average around the world,” Tornqvist said.

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Tornqvist is the lead author of a recently published study examining the long-term impacts of sea level rise across south Louisiana.

He said the issue is no longer limited to communities closest to the Gulf Coast.

“People are leaving the coast of Louisiana, but it’s going to accelerate over the course of the century. And those people are going to have to go somewhere, and it’s likely that a significant number are going to look at a place like Baton Rouge to move to,” Tornqvist said.

Since Hurricane Katrina, Louisiana has invested billions of dollars in large-scale restoration projects designed to reduce flood risk and strengthen the coast.

Some researchers believe those projects are important but not permanent fixes.

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“We have…right now we have a pretty high-quality flood protection system that’s obviously way better than it was during Katrina and we should certainly keep investing in upkeep, but we also have to recognize that’s only going to take us so far,” Tornqvist said.

State officials say those investments remain critical as Louisiana adapts to future flood risks.

Micheal Hare, executive director of the Coastal Protection and Restoration Authority, said the state’s coastal plan is designed to balance restoration work with protection projects, including levees.

“Our 2023 master plan certainly incorporates the best science available to us to then come up with a balanced approach between how do we effectively spend money on restoration as well as money on protection projects like levees,” Hare said.

Hare said those projects will continue to evolve as future risks change. CPRA and the Army Corps of Engineers are re-evaluating portions of the West Bank and Vicinity levee system in New Orleans to meet projected future flood risks within the next half-decade.

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“Morganza to the Gulf is a great example, location communities came together, they started funding it…so that protection is critical…It will constantly be maintained and constantly elevated to meet the new levels of threats and risks that are out there,” Hare said.

Coastal officials and researchers agree that what happens along Louisiana’s coast will continue to affect communities far beyond the shoreline for generations.

“And so maybe you don’t live behind the levee, but I promise you want those coastal communities to stay there and to keep working, and to stay productive and engaged…so that we don’t have to have these flood fights further north or lose parts of our economy,” Hare said.

Tornqvist said the decisions made now could shape the future of Louisiana communities.

“What’s really important to recognize is that the next few decades are basically going to decide the long-term future of cities like Baton Rouge,” Tornqvist said.

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Louisiana has always lived with water. As the coast changes and sea levels rise, the challenge is how communities across south Louisiana continue adapting for generations to come.

From the Gulf Coast to Baton Rouge, the future of Louisiana’s coastline is a conversation that impacts the entire state.

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Louisiana is the eighth most affordable state to retire, study says

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Louisiana is the eighth most affordable state to retire, study says




Louisiana ranks among the top 10 most affordable states to retire, according to a new study from Retirement Living, a national journal of retirement research.

Researchers analyzed each state’s housing costs, living expenses and tax friendliness to compile the ranking. Louisiana, they say, is the eighth most affordable state for retirees.

In Louisiana, the median monthly rent for a one-bedroom apartment is $932, the median home sale price is $255,000, monthly grocery spend per capita is $272, the average price per gallon of regular gas is $4, the average Medicare Advantage monthly premium is $13.35 and the average effective property tax rate is 0.55%.

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West Virginia is the most affordable state to retire, followed by Mississippi, Alabama, Oklahoma, Arkansas, Kentucky, Missouri, Louisiana, Indiana and Kansas. Researchers describe the South as “the sweet spot for an affordable retirement.”

The most expensive state to retire, meanwhile, is California, followed by Hawaii, Washington, Oregon, Colorado, New Jersey, Massachusetts, Utah, New York and Minnesota.

Read Retirement Living’s full report here.





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Louisiana agencies urge hurricane preparation ahead of season start

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Louisiana agencies urge hurricane preparation ahead of season start


BATON ROUGE, La. (WAFB) – With hurricane season approaching, the Louisiana Coastal Protection and Restoration Authority is bringing the community together to prepare before a storm forms.

“We can’t stop disasters from happening. We can’t stop hurricanes from happening. But what we can do is equip our communities with the resources that they need to prepare for these storms ahead of time,” said Jayda Morris, CPRA outreach manager.

The agency hosted an event featuring interactive storm simulations and a full model of the Mississippi River.

“If you do it now, like on a sunny day like today, you’re ready to go for the rest of the season,” Jay Grymes said.

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El Niño may reduce storms, but Louisiana still at risk

State Climatologist Jay Grymes said an El Niño pattern may reduce the number of storms in the Atlantic but warned against a false sense of security.

“In those 25 years, Louisiana, some part of the state has been impacted by 29 storms. That’s one a year, regardless of El Niño. So that should tell you something,” Grymes said.

He said the bigger concern is storms that can form in the Gulf with little warning.

“If we’re going to get a storm, it very possibly could be one that bubbles up in the Gulf and doesn’t give us five or seven days to track it coming our way. It gives us 40 hours to get ready for a landfall. So it’s imperative that you go ahead and do it now,” Grymes said.

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Preparation goes beyond stocking water

Preparing now includes walking through yards, checking trees, and knowing whether everyone in the family can survive two weeks without power.

PhD students with the LSU College of the Coast and Environment gave the community a virtual reality experience that puts users inside a storm.

“If they wear the goggles or play with the Apple Vision Pro, they can understand how high will the flood be, and they can know how dangerous is the hurricane scenario,” said Yixuan Wang.

The VR simulation uses real historical data to show users what compound flooding looks like in New Orleans and surrounding areas. The goal is to make the science real for people who can’t picture what a flood map means.

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“It’s just to let you understand the environment. We will add the audios, the different sound of the wind and the storm. And you can see how tense of the rainfall around you,” Wang said.

Organizers said the event is about making sure that when a storm threatens the area, families already know their plan.

Information from the event is available on CPRA’s website. Hurricane season runs through Nov. 30.

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