The second week of the 2025 Louisiana Legislature's regular fiscal session is underway, and lawmakers are once again working to find ways to reduce insurance rates for Louisiana car and homeowners. Already, a House committee has approved one insurance reform bill endorsed by Governor Jeff Landry.
While some insurance bills have had an easy time getting preliminary passage, one political analyst says: Don't expect these bills to receive final passage any time soon.
"I'm not personally expecting a quick fix," JMC Analytics pollster John Couvillon says. "I never assume that just because the House does something that the Senate will do it in the same manner."
According to Couvillon, the cost of insurance has lots of interrelated parts that the legislature will have to sift through.
"You're talking about multiple constituencies being affected, and we're specifically talking about the insurance industry and the plaintiffs' attorneys," Couvillon said.
Because of this, Couvillon says he expects back-and-forth changes in the bills. That, he says, means any insurance reform won't be signed into law until either late in the session or after the session is over. In fact, he believes those bills will be amended and approved in a compromise form.
Because this is a fiscal session, Couvillon says lawmakers will have to reach that compromise relatively soon.
"The House does what it does, and, of course, the Senate... It's going to go through all kinds of compromises, and there's probably going to be late-night sessions and meetings and things like that," Couvillon said. "There's a compressed time period to deal with issues. You have two months instead of three months, which also means you have the possibility of things getting jammed up near the end."
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