13 Ways Louisiana Protects Insurance Companies Instead of You. Sign to Change It.
13 Ways Louisiana Protects Insurance Companies Instead of You. Sign to Change It.
The Issue
You just watched what happened to Andre. A skimmer got his debit card cancelled, his autopay bounced, and his cancellation notice went to the apartment he told his agent he'd moved out of. Twelve days later, a truck ran a red light and crushed his pickup. Louisiana called him uninsured, and its laws gave him 13 different walls to climb just to fight back. Louisiana got 1 thing right out of 14. That's a failing grade. Sign now and tell Louisiana's leaders: stop protecting insurance companies and start protecting drivers.
Andre did what working people do. He bought insurance for his truck at a First Acceptance (allegedly) office in four minutes of taps on a tablet he never got to read. One of those taps rejected his uninsured motorist coverage. When his card was replaced, he called the agent with his new card and his new address. The notice still went to the old one.
Andre is a character in our story. The 13 barriers he hit are real Louisiana law. Here is what any Louisiana driver faces when an insurance company leaves them hanging:
1. Your taps count. Under Louisiana's e-signature law, every tap on the agent's tablet can be called your signature, even the screens you never read.
2. A signed uninsured motorist rejection form creates a presumption that you "knowingly" rejected coverage. In four minutes.
3. Mailed means received. Proof that the insurer mailed a cancellation notice is enough, even if it went to an address you already told them you'd left.
4. No Pay, No Play. An uninsured driver gets no recovery for the first $100,000 of injuries and the first $100,000 of damage, even when the crash is the other driver's fault. In 2024 that bar was $15,000 and $25,000.
5. Since 2024, you generally sue the other driver, not the other driver's insurance company.
6. Since this year, if you're found 51% at fault, you get nothing. Not less. Nothing.
7. Being healthy before a crash no longer creates a presumption that the crash hurt you. Now you need a paid expert to prove the obvious.
8. For medical bills, you get only what your health insurance actually paid, not what was billed. Andre was billed $38,000; his insurance paid $11,400.
9. The bad-faith penalty was cut in 2024 from up to double the damages to up to half the damages or $5,000.
10. The same 2024 law says the policyholder now owes the insurance company good faith.
11. Louisiana's consumer protection law against unfair and deceptive business does not apply to insurance.
12. When the Commissioner fines an insurer, the money goes to the state, not to the driver who was harmed.
13. No punishment. Louisiana's Supreme Court says punitive damages aren't allowed unless a statute authorizes them, and no statute does for this.
The one thing Louisiana got right: since 2024, you get two years to sue after a crash instead of one. One out of fourteen.
WHAT WE ASK Gov. Landry, AG Murrill, Commissioner Temple and the Legislature to do:
1. Require insurers to show drivers every screen before a tap counts, and to get a separate, readable signature to reject uninsured motorist coverage.
2. Require proof that a cancellation notice was received, or sent to the latest address the driver gave, before coverage can end.
3. Bring the "No Pay, No Play" bar back down so one missed payment can't cost a driver the first $100,000 of a crash that wasn't their fault.
4. Restore comparative fault, so a driver found partly at fault still recovers for the part that wasn't theirs.
5. Restore the presumption that a crash caused an injury when the person was healthy before it, and let drivers recover what was billed.
6. Restore a bad-faith penalty that actually stops bad behavior, and remove the new duty that puts policyholders on the hook.
7. Let Louisiana's consumer protection law cover insurance, and let drivers recover punitive damages when an insurer acts on purpose.
This isn't one bad agent. It's a system that makes fighting back too expensive for working people. Louisiana drivers are required by law to buy insurance. Louisiana law should protect them when that insurance fails them.
Andre isn't real. These Louisiana laws are VERY real.
Sign this petition, then call your lawmakers: every Louisiana lawmaker's number is free at the link in bio (https://linktr.ee/thepeoplehavespoken1
1
The Issue
You just watched what happened to Andre. A skimmer got his debit card cancelled, his autopay bounced, and his cancellation notice went to the apartment he told his agent he'd moved out of. Twelve days later, a truck ran a red light and crushed his pickup. Louisiana called him uninsured, and its laws gave him 13 different walls to climb just to fight back. Louisiana got 1 thing right out of 14. That's a failing grade. Sign now and tell Louisiana's leaders: stop protecting insurance companies and start protecting drivers.
Andre did what working people do. He bought insurance for his truck at a First Acceptance (allegedly) office in four minutes of taps on a tablet he never got to read. One of those taps rejected his uninsured motorist coverage. When his card was replaced, he called the agent with his new card and his new address. The notice still went to the old one.
Andre is a character in our story. The 13 barriers he hit are real Louisiana law. Here is what any Louisiana driver faces when an insurance company leaves them hanging:
1. Your taps count. Under Louisiana's e-signature law, every tap on the agent's tablet can be called your signature, even the screens you never read.
2. A signed uninsured motorist rejection form creates a presumption that you "knowingly" rejected coverage. In four minutes.
3. Mailed means received. Proof that the insurer mailed a cancellation notice is enough, even if it went to an address you already told them you'd left.
4. No Pay, No Play. An uninsured driver gets no recovery for the first $100,000 of injuries and the first $100,000 of damage, even when the crash is the other driver's fault. In 2024 that bar was $15,000 and $25,000.
5. Since 2024, you generally sue the other driver, not the other driver's insurance company.
6. Since this year, if you're found 51% at fault, you get nothing. Not less. Nothing.
7. Being healthy before a crash no longer creates a presumption that the crash hurt you. Now you need a paid expert to prove the obvious.
8. For medical bills, you get only what your health insurance actually paid, not what was billed. Andre was billed $38,000; his insurance paid $11,400.
9. The bad-faith penalty was cut in 2024 from up to double the damages to up to half the damages or $5,000.
10. The same 2024 law says the policyholder now owes the insurance company good faith.
11. Louisiana's consumer protection law against unfair and deceptive business does not apply to insurance.
12. When the Commissioner fines an insurer, the money goes to the state, not to the driver who was harmed.
13. No punishment. Louisiana's Supreme Court says punitive damages aren't allowed unless a statute authorizes them, and no statute does for this.
The one thing Louisiana got right: since 2024, you get two years to sue after a crash instead of one. One out of fourteen.
WHAT WE ASK Gov. Landry, AG Murrill, Commissioner Temple and the Legislature to do:
1. Require insurers to show drivers every screen before a tap counts, and to get a separate, readable signature to reject uninsured motorist coverage.
2. Require proof that a cancellation notice was received, or sent to the latest address the driver gave, before coverage can end.
3. Bring the "No Pay, No Play" bar back down so one missed payment can't cost a driver the first $100,000 of a crash that wasn't their fault.
4. Restore comparative fault, so a driver found partly at fault still recovers for the part that wasn't theirs.
5. Restore the presumption that a crash caused an injury when the person was healthy before it, and let drivers recover what was billed.
6. Restore a bad-faith penalty that actually stops bad behavior, and remove the new duty that puts policyholders on the hook.
7. Let Louisiana's consumer protection law cover insurance, and let drivers recover punitive damages when an insurer acts on purpose.
This isn't one bad agent. It's a system that makes fighting back too expensive for working people. Louisiana drivers are required by law to buy insurance. Louisiana law should protect them when that insurance fails them.
Andre isn't real. These Louisiana laws are VERY real.
Sign this petition, then call your lawmakers: every Louisiana lawmaker's number is free at the link in bio (https://linktr.ee/thepeoplehavespoken1
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Petition created on October 24, 2026