The Louisiana Dept. of Insurance's mission is to enforce state insurance laws and regulations impartially, honestly & expeditiously. Reach us at 1-800-259-5300.

Baton Rouge, LA
๐—ฆ๐—ฒ๐—ฝ๐˜๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ ๐—ถ๐˜€ ๐—ก๐—ฎ๐˜๐—ถ๐—ผ๐—ป๐—ฎ๐—น ๐—ฃ๐—ฟ๐—ฒ๐—ฝ๐—ฎ๐—ฟ๐—ฒ๐—ฑ๐—ป๐—ฒ๐˜€๐˜€ ๐— ๐—ผ๐—ป๐˜๐—ต. ๐—™๐—น๐—ผ๐—ผ๐—ฑ ๐—ฐ๐—ผ๐˜ƒ๐—ฒ๐—ฟ๐—ฎ๐—ด๐—ฒ ๐—ถ๐˜€ ๐—ถ๐—บ๐—ฝ๐—ผ๐—ฟ๐˜๐—ฎ๐—ป๐˜. ๐— ๐˜†๐˜๐—ต: Standard homeowners insurance covers flood damage. ๐—™๐—ฎ๐—ฐ๐˜: Standard homeowners policies do NOT cover flood damage caused by rising water, heavy rainfall or storm surge. ๐—ช๐—ต๐˜† ๐—ถ๐˜ ๐—บ๐—ฎ๐˜๐˜๐—ฒ๐—ฟ๐˜€: In Louisiana, anywhere it can rain, it can flood. Just inches of floodwater can cause tens of thousands of dollars in uninsured damage. Whether you live in a high-risk flood zone or a low-risk area, securing a separate flood insurance policyโ€”through the National Flood Insurance Program (NFIP) or a private carrierโ€”is the best way to protect your home and savings. ๐—” ๐˜„๐—ผ๐—ฟ๐—ฑ ๐—ผ๐—ณ ๐—ฐ๐—ฎ๐˜‚๐˜๐—ถ๐—ผ๐—ป: Most flood policies take 30 days to take effectโ€”don't wait until a storm enters the Gulf to buy coverage. ๐—ง๐—ฎ๐—น๐—ธ ๐˜๐—ผ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ฎ๐—ด๐—ฒ๐—ป๐˜ ๐˜๐—ผ๐—ฑ๐—ฎ๐˜† about the best way to protect your home. ๐—Ÿ๐—ฒ๐—ฎ๐—ฟ๐—ป ๐—บ๐—ผ๐—ฟ๐—ฒ: buff.ly/zQYcVaj #BeInsuranceReady #LouisianaInsurance #FloodInsurance #FloodSafety #BePrepared #LaLege
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๐—ฆ๐—ฒ๐—ฝ๐˜๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ ๐—ถ๐˜€ ๐—ก๐—ฎ๐˜๐—ถ๐—ผ๐—ป๐—ฎ๐—น ๐—ฃ๐—ฟ๐—ฒ๐—ฝ๐—ฎ๐—ฟ๐—ฒ๐—ฑ๐—ป๐—ฒ๐˜€๐˜€ ๐— ๐—ผ๐—ป๐˜๐—ต. ๐—›๐—ผ๐˜„ ๐˜„๐—ฒ๐—น๐—น ๐—ฑ๐—ผ ๐˜†๐—ผ๐˜‚ ๐˜‚๐—ป๐—ฑ๐—ฒ๐—ฟ๐˜€๐˜๐—ฎ๐—ป๐—ฑ ๐˜†๐—ผ๐˜‚๐—ฟ ๐—ถ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ฐ๐—ผ๐˜ƒ๐—ฒ๐—ฟ๐—ฎ๐—ด๐—ฒ? Do you know what your insurance policy actually covers? Insurance isn't "one size fits all." As your home, vehicle and lifestyle change, your coverage needs to keep up. Take time now to review your declarations page and understand your coverage limits, deductibles and exclusions. ๐—ค๐˜‚๐—ถ๐—ฐ๐—ธ ๐—ฃ๐—ผ๐—น๐—ถ๐—ฐ๐˜† ๐—–๐—ต๐—ฒ๐—ฐ๐—ธ: โ˜‘๏ธ Is your home insured for its full replacement cost (not just market value)? โ˜‘๏ธ Do you have separate deductibles for named storms or hurricanes? โ˜‘๏ธ Are high-value personal items covered? ๐—Ÿ๐—ฒ๐—ฎ๐—ฟ๐—ป ๐—บ๐—ผ๐—ฟ๐—ฒ ๐—ฏ๐˜† ๐˜„๐—ฎ๐˜๐—ฐ๐—ต๐—ถ๐—ป๐—ด ๐—ผ๐˜‚๐—ฟ ๐—•๐—ฒ ๐—œ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ฅ๐—ฒ๐—ฎ๐—ฑ๐˜† ๐˜ƒ๐—ถ๐—ฑ๐—ฒ๐—ผ: buff.ly/MOwpYtD #BeInsuranceReady #LouisianaInsurance #InsuranceLiteracy #PolicyReview
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๐Ÿš—๐Ÿ’ฅ ๐—ฆ๐˜๐—ฎ๐—ด๐—ถ๐—ป๐—ด ๐—ฎ๐—ป ๐—ฎ๐˜‚๐˜๐—ผ ๐˜„๐—ฟ๐—ฒ๐—ฐ๐—ธ ๐—ถ๐˜€๐—ป'๐˜ ๐—ฎ๐—ป "๐—ฒ๐—ฎ๐˜€๐˜† ๐—ฝ๐—ฎ๐˜†๐—ผ๐˜‚๐˜" โ€” ๐—ถ๐˜'๐˜€ ๐—ฎ ๐˜€๐—ฒ๐—ฟ๐—ถ๐—ผ๐˜‚๐˜€ ๐—ฐ๐—ฟ๐—ถ๐—บ๐—ฒ. Intentionally causing or staging a car crash to scam insurance companies puts innocent lives in danger and drives up auto insurance rates for every driver in Louisiana. ๐—ช๐—ต๐—ฎ๐˜'๐˜€ ๐—ต๐—ฎ๐—ฝ๐—ฝ๐—ฒ๐—ป๐—ถ๐—ป๐—ด? Federal and state law enforcement are actively prosecuting staged crash rings such as the New Orleans Slammers. Penalties include steep fines and major prison time. ๐—ช๐—ต๐—ฎ๐˜ ๐˜๐—ผ ๐—ฑ๐—ผ: If you suspect auto fraud, report it to us at: buff.ly/3oStyJF #LouisianaInsurance #StopAutoFraud #DontCrossThatLine #InsuranceFraud
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๐—ง๐˜‚๐—ป๐—ฒ ๐—ถ๐—ป: Insurance @CommTemple joined Newell Normand on @WWLAMFM this week to discuss the latest updates on Louisiana's insurance market. He focused on the need for ๐—ฏ๐˜‚๐—ถ๐—น๐—ฑ๐—ถ๐—ป๐—ด ๐—ฎ ๐˜€๐˜๐—ฟ๐—ผ๐—ป๐—ด๐—ฒ๐—ฟ, ๐—บ๐—ผ๐—ฟ๐—ฒ ๐—ฟ๐—ฒ๐˜€๐—ถ๐—น๐—ถ๐—ฒ๐—ป๐˜ ๐˜€๐˜๐—ฎ๐˜๐—ฒ. Key to mitigating against future storm damage are Fortified roofs and the funding that can help people add this important feature. ๐—›๐—ฒ๐—ฎ๐—ฟ ๐˜๐—ต๐—ฒ ๐—ณ๐˜‚๐—น๐—น ๐—ฑ๐—ถ๐˜€๐—ฐ๐˜‚๐˜€๐˜€๐—ถ๐—ผ๐—ป and key takeaways for Louisiana consumers here: buff.ly/SyPMdjC #LouisianaInsurance #Fortified #StrongerRoofs #BeInsuranceReady
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โฐ ๐—œ๐—งโ€™๐—ฆ ๐—ง๐—›๐—˜ ๐—™๐—œ๐—ก๐—”๐—Ÿ ๐—–๐—ข๐—จ๐—ก๐—ง๐——๐—ข๐—ช๐—ก ๐—ข๐—ป๐—น๐˜† ๐Ÿญ ๐—ช๐—˜๐—˜๐—ž ๐—Ÿ๐—˜๐—™๐—ง to apply for @fema assistance for damage from Tropical Storm Arthur. ๐——๐—ผ๐—ป'๐˜ ๐—บ๐—ถ๐˜€๐˜€ ๐˜๐—ต๐—ฒ ๐—ฑ๐—ฒ๐—ฎ๐—ฑ๐—น๐—ถ๐—ป๐—ฒ to get the support you need. ๐Ÿ‘‡ ๐—Ÿ๐—ฒ๐—ฎ๐—ฟ๐—ป ๐—บ๐—ผ๐—ฟ๐—ฒ ๐˜ƒ๐—ถ๐—ฎ @๐—š๐—ข๐—›๐—ฆ๐—˜๐—ฃ: buff.ly/aN6SU8z #Louisiana #GOHSEP #FEMAAssistance #TropicalStormArthur #DisasterRecovery
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๐—ฆ๐—ฒ๐—ฝ๐˜๐—ฒ๐—บ๐—ฏ๐—ฒ๐—ฟ ๐—ถ๐˜€ ๐—ก๐—ฎ๐˜๐—ถ๐—ผ๐—ป๐—ฎ๐—น ๐—ฃ๐—ฟ๐—ฒ๐—ฝ๐—ฎ๐—ฟ๐—ฒ๐—ฑ๐—ป๐—ฒ๐˜€๐˜€ ๐— ๐—ผ๐—ป๐˜๐—ต. ๐—”๐—ฟ๐—ฒ ๐˜†๐—ผ๐˜‚ ๐—ฟ๐—ฒ๐—ฎ๐—ฑ๐˜†? Being ready means having instant access to insurance tools, storm prep guidelines and direct support. Our๐—Ÿ๐——๐—œ๐—–๐—ผ๐—ป๐—ป๐—ฒ๐—ฐ๐˜ app gives you all of this and more โ€“ right at your fingertips. ๐—ž๐—ฒ๐˜† ๐—™๐—ฒ๐—ฎ๐˜๐˜‚๐—ฟ๐—ฒ๐˜€: ๐Ÿ“ฑ Real-time storm & weather alerts ๐Ÿ“ฑ Direct in-app messaging to LDI staff ๐Ÿ“ฑ Fast access to claims resources & consumer guides ๐——๐—ผ๐˜„๐—ป๐—น๐—ผ๐—ฎ๐—ฑ ๐—Ÿ๐——๐—œ๐—–๐—ผ๐—ป๐—ป๐—ฒ๐—ฐ๐˜ ๐˜๐—ผ๐—ฑ๐—ฎ๐˜†: buff.ly/MVmep5e #LDI #LouisianaInsurance #LDIConnect #MobileApp #ConsumerProtection
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Our ๐—ฆ๐—ฒ๐—ป๐—ถ๐—ผ๐—ฟ ๐—›๐—ฒ๐—ฎ๐—น๐˜๐—ต ๐—œ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—œ๐—ป๐—ณ๐—ผ๐—ฟ๐—บ๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—ฃ๐—ฟ๐—ผ๐—ด๐—ฟ๐—ฎ๐—บ (๐—ฆ๐—›๐—œ๐—ฃ) ๐˜๐—ฒ๐—ฎ๐—บ ๐—ถ๐˜€ ๐—ต๐—ถ๐˜๐˜๐—ถ๐—ป๐—ด ๐˜๐—ต๐—ฒ ๐—ฟ๐—ผ๐—ฎ๐—ฑ this week to help you navigate Medicare! ๐—›๐—ฎ๐˜ƒ๐—ฒ ๐— ๐—ฒ๐—ฑ๐—ถ๐—ฐ๐—ฎ๐—ฟ๐—ฒ ๐—พ๐˜‚๐—ฒ๐˜€๐˜๐—ถ๐—ผ๐—ป๐˜€ or need help exploring your coverage options? LDI staff will be on hand tomorrow at the ๐—๐—ฒ๐—ณ๐—ณ๐—ฒ๐—ฟ๐˜€๐—ผ๐—ป ๐—–๐—ผ๐˜‚๐—ป๐—ฐ๐—ถ๐—น ๐—ผ๐—ป ๐—”๐—ด๐—ถ๐—ป๐—ด'๐˜€ ๐—›๐—ฒ๐—ฎ๐—น๐˜๐—ต ๐—™๐—ฎ๐—ถ๐—ฟ, providing free, unbiased assistance: ๐Ÿ—“๏ธ When: Friday, September 25 ๐Ÿ•™ Time: 10 AM - 12:30 PM ๐Ÿ“ Where: The Pink House, 4518 Jefferson Hwy.
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๐— ๐—ผ๐—ฟ๐—ฒ ๐—บ๐—ผ๐—ป๐—ฒ๐˜† ๐—ณ๐—ผ๐—ฟ ๐˜€๐˜๐—ฟ๐—ผ๐—ป๐—ด๐—ฒ๐—ฟ ๐—ฟ๐—ผ๐—ผ๐—ณ๐˜€: Om Monday, @CommTemple joined @LAGovJeffLandry & @TalbotforLA to announce an added $20M for Fortified roofsโ€”bringing total state investment to $100M this year. ๐—ง๐—ต๐—ฒ ๐—ฑ๐—ฒ๐˜๐—ฎ๐—ถ๐—น๐˜€: The new $20M Restore ROOF program will be administered by the Office of Community Development to help homeowners upgrade to storm-resistant roofs and lower insurance costs. ๐—ฅ๐—ฒ๐—ฎ๐—ฑ ๐—บ๐—ผ๐—ฟ๐—ฒ: buff.ly/JYeXyh9 #LaLege #LaGov
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Our ๐—ฆ๐—ฒ๐—ป๐—ถ๐—ผ๐—ฟ ๐—›๐—ฒ๐—ฎ๐—น๐˜๐—ต ๐—œ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—œ๐—ป๐—ณ๐—ผ๐—ฟ๐—บ๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐—ฃ๐—ฟ๐—ผ๐—ด๐—ฟ๐—ฎ๐—บ (๐—ฆ๐—›๐—œ๐—ฃ) ๐˜๐—ฒ๐—ฎ๐—บ ๐—ถ๐˜€ ๐—ต๐—ถ๐˜๐˜๐—ถ๐—ป๐—ด ๐˜๐—ต๐—ฒ ๐—ฟ๐—ผ๐—ฎ๐—ฑ this week to help you navigate Medicare! ๐—›๐—ฎ๐˜ƒ๐—ฒ ๐— ๐—ฒ๐—ฑ๐—ถ๐—ฐ๐—ฎ๐—ฟ๐—ฒ ๐—พ๐˜‚๐—ฒ๐˜€๐˜๐—ถ๐—ผ๐—ป๐˜€ or need help exploring your coverage options? LDI staff will be on hand tomorrow at the ๐—ฆ๐—ฎ๐—ฏ๐—ถ๐—ป๐—ฒ ๐—–๐—ผ๐˜‚๐—ป๐—ฐ๐—ถ๐—น ๐—ผ๐—ป ๐—”๐—ด๐—ถ๐—ป๐—ด'๐˜€ ๐—™๐—ฎ๐—น๐—น ๐—™๐—ฒ๐˜€๐˜๐—ถ๐˜ƒ๐—ฎ๐—น, providing free, unbiased assistance: ๐Ÿ—“๏ธ When: Thursday, September 24 ๐Ÿ•™ Time: 10 AM - 1 PM ๐Ÿ“ Where: Zwolle Fairgrounds
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๐—ฆ๐—ฎ๐—ณ๐—ฒ๐—ฟ ๐—ฑ๐—ฟ๐—ถ๐˜ƒ๐—ถ๐—ป๐—ด = ๐—น๐—ผ๐˜„๐—ฒ๐—ฟ ๐—ถ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ฐ๐—ผ๐˜€๐˜๐˜€ Increased seat belt use, correct car seat installation & modern vehicle safety features reduce crashes and injuries. Fewer claims and reduced litigation allow insurers to pass savings on to drivers! ๐—ง๐—ต๐—ถ๐˜€ ๐˜„๐—ฒ๐—ฒ๐—ธ ๐—ถ๐˜€ ๐—–๐—ต๐—ถ๐—น๐—ฑ ๐—ฃ๐—ฎ๐˜€๐˜€๐—ฒ๐—ป๐—ด๐—ฒ๐—ฟ ๐—ฆ๐—ฎ๐—ณ๐—ฒ๐˜๐˜† ๐—ช๐—ฒ๐—ฒ๐—ธ, learn more here: buff.ly/kUb0sxF #LDI #LouisianaInsurance #SeatCheckSaturday #ChildPassengerSafety #RoadSafety #LowerRates #LaLege
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๐—œ๐—–๐—ฌ๐— ๐—œ: ๐—š๐—ผ๐—ผ๐—ฑ ๐—ป๐—ฒ๐˜„๐˜€ ๐—ณ๐—ผ๐—ฟ ๐—Ÿ๐—ผ๐˜‚๐—ถ๐˜€๐—ถ๐—ฎ๐—ป๐—ฎโ€™๐˜€ ๐—ฝ๐—ผ๐—น๐—ถ๐—ฐ๐˜†๐—ต๐—ผ๐—น๐—ฑ๐—ฒ๐—ฟ๐˜€ As reported by @LAFirstNews, Louisianaโ€™s insurance market is continuing to show signs of stabilization, with rates remaining steady and more carriers actively lowering costs. @CommTemple said more companies are now willing to write homeowners policies in the state. โ€œOn the homeowners front, we have more companies in Louisiana writing than we did in January of 2024.โ€ ๐—ฆ๐—ผ๐—บ๐—ฒ ๐—ธ๐—ฒ๐˜† ๐—บ๐—ฒ๐—ฎ๐˜€๐˜‚๐—ฟ๐—ฒ๐˜€: โ—พ Nine homeowners insurers filed rate decreases in 2025, the most since at least 2020. โ—พ The state licensed 14 new homeowners insurers in 2024 and 2025, with three more licensed through April 2026. ๐—ช๐—ต๐—ฎ๐˜ ๐—ผ๐˜๐—ต๐—ฒ๐—ฟ๐˜€ ๐—ฎ๐—ฟ๐—ฒ ๐˜€๐—ฎ๐˜†๐—ถ๐—ป๐—ด: Benjamin Albright, Independent Insurance Agents of Louisiana, said increased competition is giving homeowners more options. โ€œIf you receive an increase at renewal, you should shop around and compare quotes.โ€ ๐—ฅ๐—ฒ๐—ฎ๐—ฑ ๐˜๐—ต๐—ฒ ๐—ณ๐˜‚๐—น๐—น ๐—ฟ๐—ฒ๐—ฝ๐—ผ๐—ฟ๐˜ ๐—ณ๐—ฟ๐—ผ๐—บ ๐—Ÿ๐—ผ๐˜‚๐—ถ๐˜€๐—ถ๐—ฎ๐—ป๐—ฎ ๐—™๐—ถ๐—ฟ๐˜€๐˜ ๐—ก๐—ฒ๐˜„๐˜€ ๐—ต๐—ฒ๐—ฟ๐—ฒ: buff.ly/df84pHC
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๐—š๐—ผ๐˜ƒ๐—ฒ๐—ฟ๐—ป๐—ผ๐—ฟ ๐—Ÿ๐—ฎ๐—ป๐—ฑ๐—ฟ๐˜†, ๐—–๐—ผ๐—บ๐—บ๐—ถ๐˜€๐˜€๐—ถ๐—ผ๐—ป๐—ฒ๐—ฟ ๐—ง๐—ฒ๐—บ๐—ฝ๐—น๐—ฒ ๐—”๐—ป๐—ป๐—ผ๐˜‚๐—ป๐—ฐ๐—ฒ ๐—”๐—ฑ๐—ฑ๐—ถ๐˜๐—ถ๐—ผ๐—ป๐—ฎ๐—น $๐Ÿฎ๐Ÿฌ ๐— ๐—ถ๐—น๐—น๐—ถ๐—ผ๐—ป ๐—œ๐—ป๐˜ƒ๐—ฒ๐˜€๐˜๐—ฒ๐—ฑ ๐—ถ๐—ป ๐—™๐—ผ๐—ฟ๐˜๐—ถ๐—ณ๐—ถ๐—ฒ๐—ฑ ๐—›๐—ผ๐—บ๐—ฒ๐˜€ ๐—ง๐—ผ๐—ฑ๐—ฎ๐˜†'๐˜€ ๐—ป๐—ฒ๐˜„๐˜€: @GovLandry joined @CommTemple today to announce an additional $20 million is being allocated to help residents in coastal Louisiana add a Fortified roof to their home. This new funding brings the total amount of new funding for Fortified roofs โ€“ in 2026 alone โ€“ to $100 million. ๐—ช๐—ต๐˜† ๐—ถ๐˜ ๐—บ๐—ฎ๐˜๐˜๐—ฒ๐—ฟ๐˜€: โ€œThis is Louisianaโ€™s future for affordable homeownerโ€™s insurance โ€ฆ especially in coastal Louisiana,โ€ said Commissioner Temple. ๐—ฅ๐—ฒ๐—ฎ๐—ฑ ๐˜๐—ต๐—ฒ ๐—ณ๐˜‚๐—น๐—น ๐—ฎ๐—ป๐—ป๐—ผ๐˜‚๐—ป๐—ฐ๐—ฒ๐—บ๐—ฒ๐—ป๐˜ ๐—ต๐—ฒ๐—ฟ๐—ฒ: buff.ly/g46wE1p
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๐—Ÿ๐—ฎ๐˜๐—ฒ๐˜€๐˜ ๐—ฆ๐˜๐—ผ๐—ฟ๐—บ ๐—จ๐—ฝ๐—ฑ๐—ฎ๐˜๐—ฒ The @NHC_Atlantic has issued an advisory on ๐—ง๐—ฟ๐—ผ๐—ฝ๐—ถ๐—ฐ๐—ฎ๐—น ๐—ฆ๐˜๐—ผ๐—ฟ๐—บ ๐—™๐—ฎ๐˜†, located several hundred miles southwest of the Azores. Hereโ€™s what you need to know: โ€ขTropical cyclone formation is not expected during the next 7 days. โ€ขDoes not appear to pose a threat to land. โ€ขThere are no coastal watches or warnings in effect, and โ€ขFay will likely dissipate by the end of the week. ๐—•๐—ฒ ๐—ช๐—ฒ๐—ฎ๐˜๐—ต๐—ฒ๐—ฟ ๐—ฅ๐—ฒ๐—ฎ๐—ฑ๐˜†: For up-to-date weather alerts and insurance guides, download our ๐—Ÿ๐——๐—œ๐—–๐—ผ๐—ป๐—ป๐—ฒ๐—ฐ๐˜ ๐—ฎ๐—ฝ๐—ฝ today. ๐—ฅ๐—ฒ๐—ฎ๐—ฑ ๐—บ๐—ผ๐—ฟ๐—ฒ: buff.ly/gZ4M8am
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๐—™๐—ฒ๐—ฑ๐—ฒ๐—ฟ๐—ฎ๐—น ๐—น๐—ฎ๐˜„๐—บ๐—ฎ๐—ธ๐—ฒ๐—ฟ๐˜€ ๐—ถ๐—ป๐˜๐—ฟ๐—ผ๐—ฑ๐˜‚๐—ฐ๐—ฒ ๐—น๐—ฒ๐—ด๐—ถ๐˜€๐—น๐—ฎ๐˜๐—ถ๐—ผ๐—ป ๐˜๐—ผ ๐—ณ๐—ถ๐—ด๐—ต๐˜ ๐˜€๐˜๐—ฎ๐—ด๐—ฒ๐—ฑ ๐—ฎ๐˜‚๐˜๐—ผ ๐—ฎ๐—ฐ๐—ฐ๐—ถ๐—ฑ๐—ฒ๐—ป๐˜๐˜€ As reported by the @ijournal, a new bill in Congress, the ๐—ฆ๐˜๐—ผ๐—ฝ ๐—”๐˜‚๐˜๐—ผ ๐—™๐—ฟ๐—ฎ๐˜‚๐—ฑ ๐—”๐—ฐ๐˜ ๐—ผ๐—ณ ๐Ÿฎ๐Ÿฌ๐Ÿฎ๐Ÿฒ has been filed to target deliberately staged accidents intended to scam insurance companies. ๐—ช๐—ต๐˜† ๐—ถ๐˜ ๐—บ๐—ฎ๐˜๐˜๐—ฒ๐—ฟ๐˜€: As with the recent case of the slammers in New Orleans, staged accident fraud is a dangerous crime that puts innocent lives at risk and drives up insurance costs. ๐—ช๐—ต๐—ฎ๐˜ ๐˜๐—ต๐—ฒ๐˜† ๐—ฎ๐—ฟ๐—ฒ ๐˜€๐—ฎ๐˜†๐—ถ๐—ป๐—ด: โ€œOn highways across the country, brazen criminals are intentionally colliding with other motorists in an attempt to score a big payday,โ€ said Alex Rosen of the American Trucking Association. ๐—ฅ๐—ฒ๐—ฎ๐—ฑ ๐—บ๐—ผ๐—ฟ๐—ฒ: buff.ly/CeX8uav
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๐—–๐—ฎ๐—ฟ ๐—ฐ๐—ฟ๐—ฎ๐˜€๐—ต ๐—ถ๐—ป๐—ท๐˜‚๐—ฟ๐—ถ๐—ฒ๐˜€ ๐—ฎ๐˜ ๐—ฟ๐—ฒ๐—ฐ๐—ผ๐—ฟ๐—ฑ ๐—น๐—ผ๐˜„ ๐——๐—ผ ๐˜๐—ต๐—ฒ ๐—บ๐—ฎ๐˜๐—ต: Fewer injuries = reduced claims frequency = less litigation = lower premiums. ๐—ฆ๐—ฒ๐—ฎ๐˜ ๐—ฏ๐—ฒ๐—น๐˜๐˜€ ๐—บ๐—ฎ๐˜๐˜๐—ฒ๐—ฟ: Statistics align with a record % of people in LA using seat belts, > 88% for the last 2 years. ๐—ฃ๐—ฒ๐—ฟ @๐—–๐—ผ๐—บ๐—บ๐—ง๐—ฒ๐—บ๐—ฝ๐—น๐—ฒ: Advanced safety features in newer vehiclesโ€”such as backup sensors, lane-assist and collision warning systemsโ€”are other factors behind the decrease in accidents. ๐—ฅ๐—ฒ๐—ฎ๐—ฑ ๐—บ๐—ผ๐—ฟ๐—ฒ: buff.ly/iNnuQtg
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๐—ช๐—ต๐—ฒ๐—ป ๐—ช๐—ฎ๐˜€ ๐˜๐—ต๐—ฒ ๐—Ÿ๐—ฎ๐˜€๐˜ ๐—ง๐—ถ๐—บ๐—ฒ ๐—ฌ๐—ผ๐˜‚ ๐—ฅ๐—ฒ๐—ฎ๐—ฑ ๐˜๐—ต๐—ฒ ๐—™๐—ถ๐—ป๐—ฒ ๐—ฃ๐—ฟ๐—ถ๐—ป๐˜? ๐Ÿ” ๐—ง๐—ผ ๐—•๐—ฒ ๐—œ๐—ป๐˜€๐˜‚๐—ฟ๐—ฎ๐—ป๐—ฐ๐—ฒ ๐—ฅ๐—ฒ๐—ฎ๐—ฑ๐˜†, it is important to know that understanding your insurance policy shouldnโ€™t feel like a chore. Our online video library breaks down policy basics into simple, easy-to-understand videos so you can move forward with confidence. ๐—›๐—ฒ๐—ฟ๐—ฒโ€™๐˜€ ๐˜๐—ต๐—ฒ ๐—น๐—ถ๐—ป๐—ธ ๐˜๐—ผ ๐—ผ๐˜‚๐—ฟ ๐˜€๐—ฒ๐—ฟ๐—ถ๐—ฒ๐˜€ ๐—ผ๐—ณ ๐˜ƒ๐—ถ๐—ฑ๐—ฒ๐—ผ๐˜€: buff.ly/6i7Z6l2
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๐—ช๐—ต๐—ฎ๐˜ ๐—ฑ๐—ผ๐—ฒ๐˜€ ๐—ฎ๐—ป ๐—ฒ๐˜…๐˜๐—ฟ๐—ฎ $๐Ÿฎ๐Ÿฎ๐Ÿฑ๐—ž ๐—น๐—ผ๐—ผ๐—ธ ๐—น๐—ถ๐—ธ๐—ฒ? ๐—”๐˜€๐—ธ ๐—ฆ๐˜. ๐—Ÿ๐—ฎ๐—ป๐—ฑ๐—ฟ๐˜† ๐—ฃ๐—ฎ๐—ฟ๐—ถ๐˜€๐—ต ๐Ÿš—๐Ÿ’ฐ The St. Landry Parish Government is reporting a $225,000 savings on their auto insurance costs this year. As Commissioner Temple has said, "๐™๐™š๐™ฌ๐™š๐™ง ๐™–๐™˜๐™˜๐™ž๐™™๐™š๐™ฃ๐™ฉ๐™จ ๐™–๐™ฃ๐™™ ๐™ง๐™š๐™™๐™ช๐™˜๐™š๐™™ ๐™ก๐™ž๐™ฉ๐™ž๐™œ๐™–๐™ฉ๐™ž๐™ค๐™ฃ ๐™ง๐™š๐™จ๐™ช๐™ก๐™ฉ๐™จ ๐™ž๐™ฃ ๐™ก๐™š๐™จ๐™จ ๐™ข๐™ค๐™ฃ๐™š๐™ฎ ๐™ฅ๐™–๐™ž๐™™ ๐™ค๐™ช๐™ฉ ๐™—๐™ฎ ๐™ž๐™ฃ๐™จ๐™ช๐™ง๐™š๐™ง๐™จ. ๐™’๐™๐™š๐™ฃ ๐™˜๐™ก๐™–๐™ž๐™ข ๐™˜๐™ค๐™จ๐™ฉ๐™จ ๐™™๐™ง๐™ค๐™ฅ, ๐™ž๐™ฃ๐™จ๐™ช๐™ง๐™š๐™ง ๐™š๐™ญ๐™ฅ๐™š๐™ฃ๐™จ๐™š๐™จ ๐™œ๐™ค ๐™™๐™ค๐™ฌ๐™ฃ, ๐™œ๐™ž๐™ซ๐™ž๐™ฃ๐™œ ๐™˜๐™ค๐™ข๐™ฅ๐™–๐™ฃ๐™ž๐™š๐™จ ๐™ฉ๐™๐™š ๐™–๐™—๐™ž๐™ก๐™ž๐™ฉ๐™ฎ ๐™ฉ๐™ค ๐™ก๐™ค๐™ฌ๐™š๐™ง ๐™˜๐™ค๐™จ๐™ฉ๐™จ ๐™›๐™ค๐™ง ๐™˜๐™ค๐™ฃ๐™จ๐™ช๐™ข๐™š๐™ง๐™จ ๐™–๐™ฃ๐™™ ๐™–๐™œ๐™œ๐™ง๐™š๐™จ๐™จ๐™ž๐™ซ๐™š๐™ก๐™ฎ ๐™˜๐™ค๐™ข๐™ฅ๐™š๐™ฉ๐™š ๐™›๐™ค๐™ง ๐™ค๐™ช๐™ง ๐™—๐™ช๐™จ๐™ž๐™ฃ๐™š๐™จ๐™จ." ๐—ง๐—ต๐—ฒ ๐—บ๐—ฎ๐˜๐—ต ๐—ถ๐˜€ ๐˜€๐—ถ๐—บ๐—ฝ๐—น๐—ฒ: safer cars, roads and drivers mean fewer crashes and bigger savings for parish governments, local businesses and Louisiana drivers.
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๐—ฆ๐˜‚๐—ฟ๐˜ƒ๐—ฒ๐˜† ๐˜€๐—ฎ๐˜†๐˜€, โ€œ๐—ช๐—ฒ ๐—ฝ๐—ฟ๐—ฒ๐—ณ๐—ฒ๐—ฟ ๐—ผ๐—ป ๐—ต๐˜‚๐—บ๐—ฎ๐—ป ๐—ฎ๐—ด๐—ฒ๐—ป๐˜๐˜€ ๐˜๐—ผ ๐—”๐—œ ๐—ฎ๐—ด๐—ฒ๐—ป๐˜๐˜€.โ€ ๐—ช๐—ต๐—ฎ๐˜'๐˜€ ๐—ต๐—ฎ๐—ฝ๐—ฝ๐—ฒ๐—ป๐—ถ๐—ป๐—ด: From drafting emails to comparison shopping to creating a vacation itinerary, weโ€™re incorporating AI into our daily lives for many tasks, allowing us to save time and effort. However, when it comes to making decisions about insurance, 87% of consumers said prefer a human insurance agent instead of using AI. ๐—ช๐—ต๐—ฎ๐˜ ๐˜๐—ต๐—ฒ๐˜†โ€™๐—ฟ๐—ฒ ๐˜€๐—ฎ๐˜†๐—ถ๐—ป๐—ด: According to a recent survey by @IndAgent, more than half of respondents said human agents are preferred when filing an accident, storm or a major claim. Only 6% were comfortable relying on AI alone. ๐—ฌ๐—ฒ๐˜€, ๐—ฏ๐˜‚๐˜: Still, 61% of the 400 consumers surveyed said they are OK with an agent who uses AI to tailor coverage and speed up the process. Most said AI adds value in comparison shopping, answering general insurance questions and claims status updates. ๐—š๐—ผ ๐—ฑ๐—ฒ๐—ฒ๐—ฝ๐—ฒ๐—ฟ: buff.ly/f3QyMMj
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ICYMI: Last week, Commissioner Temple joined the ๐—Ÿ๐—ผ๐˜‚๐—ถ๐˜€๐—ถ๐—ฎ๐—ป๐—ฎ ๐—–๐—ต๐—ฎ๐—บ๐—ฏ๐—ฒ๐—ฟ ๐—ผ๐—ณ ๐—–๐—ผ๐—บ๐—บ๐—ฒ๐—ฟ๐—ฐ๐—ฒ ๐—™๐—ผ๐˜‚๐—ป๐—ฑ๐—ฎ๐˜๐—ถ๐—ผ๐—ป'๐˜€ Regional Resource Tour in Baton Rouge. Supporting the Chamberโ€™s mission to champion local business and economic growth, he shared how insurance reform strengthens our economy. ๐—ž๐—ฒ๐˜† ๐—ง๐—ฎ๐—ธ๐—ฒ๐—ฎ๐˜„๐—ฎ๐˜†๐˜€ ๐—ณ๐—ผ๐—ฟ ๐—•๐˜‚๐˜€๐—ถ๐—ป๐—ฒ๐˜€๐˜€๐—ฒ๐˜€ & ๐—™๐—ฎ๐—บ๐—ถ๐—น๐—ถ๐—ฒ๐˜€: โœ”๏ธ Shop your policies for better rates โœ”๏ธ Invest in FORTIFIED standards & mitigation โœ”๏ธ Remember: Standard policies don't cover flood โœ”๏ธ Encourage others to shop their coverage and strengthen their properties. ๐—–๐—ต๐—ฒ๐—ฐ๐—ธ ๐—ผ๐˜‚๐˜ ๐—ป๐—ฒ๐˜„ ๐—ฝ๐—ต๐—ผ๐˜๐—ผ๐˜€ ๐—ณ๐—ฟ๐—ผ๐—บ ๐˜๐—ต๐—ฒ ๐—บ๐—ฒ๐—ฒ๐˜๐—ถ๐—ป๐—ด. #LDI #LouisianaInsurance #LApol #BatonRouge #ChamberOfCommerce
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