Jay Luneau

Rule Changes

Leading Democratic opposition to tort reform

Louisiana drivers pay $3,481 annually for auto insurance—the highest in America. On January 1, 2026, the state flipped the rules on who can sue after a car crash. Plaintiffs found even 51% at fault now get nothing, and medical bills can only be recovered at amounts actually paid, not the inflated prices hospitals charge. It's the biggest tort reform package in state history, and early signs suggest insurers are responding: over 20 carriers filed rate decreases by mid-January 2026, with Progressive alone cutting rates for nearly 500,000 drivers.

Updated Jan 14