Minnesotans Against Fraud and Higher Insurance Costs

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Say NO to: Frivolous Lawsuits, Fraud, and Higher Insurance Rates!

Minnesota personal injury lawyers are backing self-serving legislation that, if passed, will open the floodgates to more fraudulent insurance claims and more frivolous lawsuits. The result of these Double Lawsuit Bills will be higher rates for all types of insurance and higher costs for goods and services for virtually all Minnesota consumers. The only winners will be the trial lawyers who stand to make millions.

That is why a broad-based coalition of Minnesota consumers, businesses and civic groups are joining together to oppose these ill-conceived, Double Lawsuit Bills.

Minnesotans Against Fraud and Higher Insurance Costs is a growing, broad-based coalition of consumers and taxpayers, business and civic groups that are opposed to the self-serving Double Lawsuits bills in the Minnesota Legislature that, if passed, will result in higher insurance costs, insurance fraud and more frivolous lawsuits.

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What You Need to Know 

STOP FRAUD AND HIGHER INSURANCE COSTS


Minnesota personal injury lawyers are backing self-serving legislation that, if passed, will allow double lawsuits and open the floodgates to more lawsuit fraud claims and more frivolous lawsuits. The result of these Double Lawsuit Bills will be higher rates for all types of insurance and higher costs for goods and services for virtually all Minnesota consumers. The only winners will be the trial lawyers who stand to make millions.

That is why a broad-based coalition of Minnesota consumers, businesses and civic groups are joining together to oppose these ill-conceived, Double Lawsuit Bills Double Lawsuit Bills. Minnesotans Against Fraud and Higher Insurance Costs understands that the ability to simply threaten multiple lawsuits for a single event will give lawyers profound leverage in forcing settlements and will force Minnesota consumers and businesses to bear the costs through higher insurance premiums for virtually ALL types of insurance including homeowners, auto, general liability, etc. The best way to stop these lawyer-sponsored laws from taking effect is to join the chorus of opposition and demand that legislators protect consumers against fraud and higher insurance costs .

Answers to Frequently Asked Questions About the Double Lawsuit Bills 


Q: How will these Double Lawsuit Bills impact our local economy?

A: Local governments, public safety, education and small businesses, such as restaurants, would all be negatively affected by these Double Lawsuit Bills.

Local Government: Local government revenues, used for such programs as education, public safety, libraries and transportation will be diverted in order to pay the higher insurance premiums. Local governments might be forced to scale back precious public services or public facilities when the cost of insuring these functions becomes cost prohibitive.

Public Safety: If these self-serving laws are enacted, local fire and police departments could lose vital tax dollars for things such as training programs and safety equipment. Supplemental insurance costs for such things as high-speed chases and police and fire vehicles will increase spending but decrease those funds available to public safety programs.

Education: Schools that purchase supplemental insurance policies for sports programs, off-campus activities and school vehicles will be forced to use revenues that would otherwise go to students. This would reduce funds available to school children and likely reduce activities available to them.

Small Businesses: Whether or not a patron ever slips and falls, or a restaurant guest gets food poisoning, restaurants and other businesses will still be paying much higher insurance premiums if these Double Lawsuit Bills are enacted. Businesses will either be forced to absorb these added costs and suffer losses, or pass these costs onto the prices we pay for goods and services.

Q: What can I do to help stop these Double Lawsuit Bills?

A: The most important step in stopping these Double Lawsuit Bills from being passed is to send a strong message to the Legislature that consumers deserve to be protected from fraud, higher insurance costs and frivolous lawsuits. You can help by registering with our website at www.nohigherrates.com or contacting:

Minnesotans Against Fraud and Higher Insurance Costs
P.O. Box 14177
St. Paul, Minnesota 55114
1-888-343-0725
info@nohigherrates.com

If these ill-conceived bills are not rejected by the Legislature, the result will be: 

  1. MORE LAWSUITS, MORE FRAUD


    Personal injury lawyers want these new laws so they can get huge attorney fees by not only threatening to sue the party they think is responsible for the injury, but also the party's insurance company. Two lawsuits mean double the chance to win and double the fees for trial lawyers. It also means that there will be greater incentive for insurance fraud.
  2. HIGHER COSTS TO CONSUMERS


    These additional lawsuits mean that as insurers are forced to pay higher settlements, and as more questionable claims are paid due to the threat of a frivolous lawsuit, insurance costs will increase. Two lawsuits for every insurance claim will surely increase costs for consumers.

    In fact, a California study showed that by creating a loophole to allow two lawsuits for every accident, premium costs grew from 11%-19%. Since these proposed laws apply to virtually all insurance, Minnesota consumers will likely see significantly higher auto, homeowners and commercial liability premiums.
  3. MINNESOTA WILL BECOME A HOTBED FOR FRIVOLOUS LITIGATION

    These extreme, self-serving proposals will encourage more litigation in our state. Even if a case has only a nominal damage award for the injured party, the personal injury lawyers stand to make millions in higher attorneys' fees to line their own pockets. No other state will have the same opportunities for lawyers to make substantial profit from frivolous lawsuits and ultimately it will make Minnesota a hotbed for more litigation, overwhelming our already strained judicial system.
  4. SELF-SERVING TRIAL LAWYERS WILL WIN

    These Double Lawsuit Bills are being pushed by trial lawyers who want to benefit themselves, not consumers. The lawyers sponsoring these bills stand to make millions of dollars by merely threatening to file two lawsuits for every accident and forcing consumers and their insurance companies into huge out-of-court settlements to avoid lengthy and expensive litigation.

    If the trial lawyers are successful, Minnesota consumers are the ones who will be forced to bear the full cost of these bills in the form of higher insurance rates. Trial lawyers will win and consumers will lose.

    Know more about how these bills can affect us.

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