The Louisiana Property and Casualty Insurance Commission (LPCIC) is charged with reviewing and examining the availability and affordability of property and casualty insurance in the state. The 23-member commission, which is composed of a cross section of industry and consumer representatives as well as delegates from the offices of the Governor, Attorney General and District Attorney, meets periodically throughout the year in Baton Rouge. Each year, the commission submits an annual report to the Governor, Commissioner of Insurance and the Louisiana Legislature which includes its recommendations based upon its research, meetings and testimony.
The commission’s mission began in 1997 when the Louisiana Legislature created the Council on Automobile Insurance Rates and Enforcement (CAIRE) to undertake a comprehensive study and provide oversight and recommendations aimed at enforcing laws and programs that affect automobile insurance rates. CAIRE researched and studied many ideas that have been beneficial in the area of lowering automobile insurance rates including, but not limited to, the impoundment law, “No Pay, No Play,” stronger DWI penalties, graduated licensing, automobile insurance checkpoints and a crackdown on insurance fraud.
In 2001, CAIRE’s realm of study was expanded to include not only automobile insurance but also homeowners insurance and workers’ compensation insurance, thus creating the Louisiana Property & Casualty Insurance Commission.
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