Louisiana Governor Jeff Landry signed House Bills into law as part of a large insurance reform effort and in response to the state’s rising insurance rates.

House Bill 148 amends Louisiana regulations to give the insurance commissioner the power to disapprove a rate filing if it is determined to be excessive. Previously, a rate filing could only be denied if it was determined to be inadequate or unfairly discriminatory. An excessive rate is defined as a rate that is likely to produce an unreasonably high profit for the insurance provided.

House Bill 431 is amended so that drivers who suffered injury, death, or loss, are equal to or greater than 51% at fault, then they are not entitled to recover damages. If the driver is less than 51% responsible, then the amount of damages recoverable will be in proportion to their share of negligence.