State Representative Mike Bayham joins the show to discuss the atmosphere inside the House Chambers during the governor's speech yesterday, highlighting the focus on insurance reform, which he considers the biggest crisis facing Louisiana. He expresses disappointment that insurance reform was not prioritized in the three special sessions held last year. Bayham emphasizes the importance of reducing insurance rates over taxes, as it would benefit the people of Louisiana more directly.Bayham acknowledges the progress made on homeowners insurance last year, including fortifying roofs and making the market more attractive for insurance companies. However, he notes that car insurance remains a challenging issue.

He praises Commissioner Tim Temple and other legislators for their efforts in passing numerous bills aimed at improving the insurance situation.Bayham mentions the unique challenges Louisiana faces due to its extensive coastline and topography, which make property insurance particularly difficult. He is optimistic about the bills being introduced this session to address these issues and hopes they will bring down premiums for auto and property insurance.Bayham also discusses the camaraderie among the freshman class of legislators, who share a common goal of making Louisiana more affordable and business-friendly.

He highlights the diverse backgrounds of the legislators and their commitment to changing the state's course. He stresses the importance of earning public trust by presenting proposals clearly and transparently.Regarding the budget, Bayham credits Speaker Devillier and President Cameron Henry for their leadership, noting that the fiscal situation is not as dire this year. He suggests that future proposals should be presented in a straightforward manner to avoid voter suspicion and gain public support. Bayham acknowledges the legacy of distrust in Louisiana's state government and emphasizes the need for better communication and presentation of legislative proposals.