Louisiana and No Fault
It remains to be seen how Louisiana plans to tackle its auto insurance crisis. Some call for more dedicated fraud investigators and DWI lawyers. Others call for watchdogs to make sure that doctors don’t help insurance companies deny valid claims with biased medical exams. They say that doctors make a lot of money rubber stamping examinations for insurance companies. They think that Michigan needs more state investigators to make sure that consumers get fair payments after they pay big bucks for an insurance policy.
Another related problem for consumers is credit-based insurance pricing. That is, a person with a higher credit score pays less for insurance than a person with a lower credit score. The insurance companies defend the practice, but critics say that it’s unfair to consumers who don’t have a choice but to purchase the insurance even if their credit score isn’t great.
Companies also base their prices on zip codes. They say that the zip codes make a difference because some locations have more crashes than others. This practice really hurts drivers under Louisiana’s mandatory insurance laws.
Of all of the states with no-fault laws, only Louisiana has unlimited medical benefits. Critics say this is a key place where lawmakers can strike a balance. They say that limiting fees for certain medical services and limiting in-home attendant care can help make insurance affordable while still providing great benefits. They say what works for the other forty-nine states can work for Louisiana. The best car accident attorney in Baton Rouge continues to grapple with these issues as they try to create a system that works for Louisiana.