Statewide elections are six months away, so after ignoring Louisiana’s outrageously high insurance rates for the past three years, legislators are running for cover. Two study commissions have been created, one by the Governor and another by the Insurance Department, for the purpose of finding ways to lower the cost of auto insurance. So to be of help and having a bit of background in dealing with insurance issues, I have the solution. Don’t reinvent the wheel. Do one thing. Enforce existing laws.