Every month, countless Louisianans are forced to make impossible choices—pay the car insurance bill, buy groceries, cover the mortgage, or keep their vehicles on the road. We pay some of the highest auto insurance premiums in the nation, and working families bear the weight. It’s not just unfair—it’s unsustainable. House Bill 431 by Rep. Emily Chenevert is a long-overdue step toward justice and financial relief for our communities.
HB 431 proposes a common-sense reform: if someone is more than 50% responsible for an accident, they shouldn’t be rewarded with a payout. That’s not just a legal technicality—it’s a moral principle—accountability matters. In almost every other state, this is already the standard. But in Louisiana, someone who is mostly at fault in a wreck can still sue and win money. That’s not fair to the person who was hit. It’s not fair to the honest drivers who follow the rules. And it’s certainly unfair to the thousands of families who end up footing the bill through higher insurance premiums. This bill isn’t about protecting corporations—it’s about protecting working people from a broken system that punishes responsibility and rewards blame. It’s about restoring balance to our civil courts and ensuring that justice isn’t just a word we use but something we practice.
The current system is broken
Under our current system, people mostly at fault in a crash can still walk away with a check. That drives up lawsuits, legal costs, and ultimately, your insurance bill. The insurance industry has pointed to this imbalance for years as a major reason Louisianans pay nearly $1,000 more yearly than the national average for full coverage. That’s money we should put toward childcare, savings, or just a little peace of mind.
HB 431 doesn’t promise overnight miracles. No one is pretending that a single bill will solve all of Louisiana’s insurance woes. But it lays the essential groundwork for lasting, meaningful change—a shift toward a system where fairness matters and the rules finally make sense. When someone causes most of the harm in an accident, they shouldn’t profit from it. That’s not justice; it’s exploitation.
Improvement, not just change
By changing the threshold of comparative fault, HB 431 restores integrity to the process. It discourages opportunistic lawsuits that clog our courts and inflate costs for everyone, and it tells insurance companies that Louisiana is serious about creating a more stable, predictable legal environment. That kind of predictability ultimately leads to lower premiums, not just for a few, but for families across the state who’ve been stuck paying too much for too long. It’s a step toward restoring trust in the system, the law, and our government’s ability to do what’s right for the people it serves.
This bill is more than legislation—it signals to families that relief is on the way. It’s a sign that lawmakers are finally listening. If we want a more affordable, more just Louisiana, HB 431 is a place to start.
As of this writing, Emily Chenevert’s HB431 has cleared the House and is awaiting a vote on the Senate floor.
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The DOGE Effect: What If We Cut Waste in Louisiana?
Elon Musk and Donald Trump are slashing waste in Washington, and the whole world is watching. Many have said, “That’s great—but we need to do the same thing in Louisiana!”
What most don’t realize is that Citizens for a New Louisiana has been ‘DOGE before DOGE was cool.’ Our investigatory work exposes government waste, backroom deals, and left-wing slush funds. And when people know what their government is really doing, it stops.
Want proof? Just change a few words:
👉 If you knew your government was funding erotic children’s books, they’d stop doing it.
👉 If you knew your government was sending millions to activist NGOs, they’d stop doing it.
👉 If you knew your government was emboldening hard-Left activists, they’d stop doing it.
We’ve covered transparency issues for almost seven years. No one else in Louisiana is looking this closely at where your tax dollars are going. Are you fed up with the hundreds of millions of dollars flowing from Louisiana's treasury into the pockets of NGOs and left-wing activists? If so, you’re not alone. But exposing it isn’t enough—we need your help to stop it.
If every reader contributed just $10 a year, we could double our reach. Your support now ensures Louisiana’s conservative future—don’t wait—contribute today!
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