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As state leaders look for answers as to why auto insurance rates are so much higher here than in other states, industry research shows Louisiana has the highest frequency of injury claims and the second highest litigation rate in the country. Both data points are among the few statistics in which Louisiana appears as an outlier, and Insurance Commissioner Tim Temple said they are likely among the primary reasons for skyrocketing car insurance premiums in the state. But lawyers and plaintiffs’ advocates say the numbers, some of which they note ...