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How We Help: We Help With: • Car Accidents • 18-Wheeler Accidents • Motorcycle Wrecks • Personal Injuries (Slip and Falls, Dog Bites, and More)
IN THIS ISSUE: Lessons from Omaha • Chicken Baked Ziti • Living Local: All-Star Edition
TORT REFORM IN LOUISIANA: GOOD FOR INSURANCE COMPANIES. BAD FOR YOU.
out. They will hold onto their money longer, and this will lead to more litigation, not less. If you’re undocumented, even if the other person clearly and recklessly caused the accident, you may not be allowed to recover anything. That’s not justice. That’s discrimination. And it shifts the cost of serious injuries onto hospitals, taxpayers, and communities instead of the insurance company of the person who caused the harm. If you didn’t have insurance at the time of the crash (even if the other driver was 100% at fault), you’ll face new hurdles getting compensation. That means even the innocent can be left to deal with medical bills on their own. I believe everyone on the road should be fully insured, but these rules don’t just punish the uninsured, they punish the injured. I’m not saying insurance companies will put policies in place to make it easier for coverage to “accidentally lapse,” but...
Let’s talk about “tort reform” again.
I know, it sounds like some complicated legal thing that doesn’t really affect your day-to-day life. But these laws going into effect in Louisiana do affect you. They affect every driver, every family, and every worker. And if you’ve been told that tort reform is going to lower your insurance rates, you’ve been sold a bill of goods. HERE’S WHAT THESE NEW LAWS REALLY DO: If you’re found 51% at fault in a crash, even if the other driver is 49% to blame, you get nothing — no help with medical bills, no compensation for lost wages, and no pain and suffering. You may think this makes sense. If someone is more at fault, they shouldn’t “benefit” from an incident, should they? But this makes it much easier for insurance companies to deny claims. If any piece of blame could fall on you, they can deny your claim. The other driver blew a red light, but you were going over the speed limit. All they have to do is try to argue you were just slightly more responsible. Even if you come out on top in the end, the process will be drawn
If your health insurance helps pay for your
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