Tuesday, November 4, 2014

For Caddo- 11/04/14 ballot

Senate: Cassidy
Congress: Fleming
Public Service: Campbell

Mayor: Patrick Williams- intelligent, honest

If on your ballot:

District Judge: Charles Tutt

District Judge: Erin Lee Waddell-Garrett

Amendments:

CA1-  NO           CA8-  NO
CA2-  NO           CA9-  YES
CA3-  NO           CA10-  NO
CA4-  NO           CA11-  NO
CA5-  NO           CA12-  NO
CA6-  NO           CA13-  YES
CA7-  YES         CA14-  NO

Monday, November 3, 2014

Auto Insurance: UMBI Coverage ~ Don't get caught without it

The most important insurance a safe driver can purchase in Louisiana is UMBI coverage. Typically an insurance provider has a driver sign a waiver that legally allows the company to not provide UMBI coverage.  This results in a driver having insurance to provide coverage for the harms and losses he might cause, but no coverage if he is the victim of a crash and the other driver lacks sufficient insurance. 

By law, your policy will include UMBI coverage at the same limits as your Bodily Injury Coverage unless you request otherwise.

UM coverage is important because many drivers that cause crashes do not carry enough insurance to cover all the harms and losses that a family can suffer in a car crash. UM coverage provides coverage when the person causing the crash is either underinsured or uninsured.

Each month our office is retained to help families deal with a crash. In most cases the families do not have UMBI coverage.  In one case a  nurse was hit by a drunk driver. Her injuries were serious and required her to receive numerous stitches to her face. Although she had a Liability Policy to cover any losses she caused anyone else, she did not have UMBI coverage because she had signed a waiver with her agent to "save money".    The drunk driver had no insurance. Since the drunk driver had no insurance and because she had signed a UM waiver- there was no insurance to help cover her harms and losses.

As a rule of thumb if you are being serviced by a company that did not sell you UMBI coverage at the same limits as your liability coverage- you should change companies and immediately add UMBI coverage to your coverage. 

Also if your agent requests that you buy UMEO (economic only) insurance to "save money" then you should find a new agent. 

This is a copy of a UM  waiver. Never sign these.

It is important that you call your agent and make sure that you have UMBI at the same limits as your liability policy.  Simply ask, "Do I have UMBI?"  and "Are the limits the same as my liability coverage?" These are important questions to ask to protect your family. 




Ryan E. Gatti, LLC is providing this update for informational purposes only. This article should not be construed as legal advice or a legal opinion as to any specific facts or circumstances. You should consult your own attorney concerning your particular situation and any specific legal questions you may have.

Monday, October 27, 2014


Quick Ballot for Bossier Parish
(See previous post for more information)

U. S. Senator:  Cassidy #3
US Representative:  Fleming #23
PCS District 5:  Campbell #55
District Attorney:  Marvin #60
City Marshall:  Whitman #64

CA1-  NO           CA8-  NO
CA2-  NO           CA9-  YES
CA3-  NO           CA10-  NO
CA4-  NO           CA11-  NO
CA5-  NO           CA12-  NO
CA6-  NO           CA13-  YES
CA7-  YES         CA14-  NO

TAXES:  Vote No on all taxes
PW Millage Renewal –
PW Council on Aging –
PW Shreveport-Bossier Conv. & Tour. Bur.
Cypress-Black Bayou Rec. & Wtr. Dist.

School Board (if on your ballot)
Tammy Smith (Benton)
Eric Newman (Parkway)

2014 Election Ballot- Read Ahead, Vote Early


 
Gatti Voter Guide for 2014

Many of you have texted or emailed about a voter guide for the amendments and a breakdown of Bossier Elections.  Here is a breakdown of the ballot for Bossier Parish.  I strongly suggest that you print and view a sample ballot by putting in your precinct at the following website:
http://www.sos.la.gov/ElectionsAndVoting/GetElectionInformation/ReviewSampleBallots/Pages/default.aspx

This is a full ballot on a Tuesday, so please have your cheat sheet ready.  Expect long lines because as most will not have read ahead of time.  You should be in an out of the ballot in less than a minute if you are prepared.  The only race not listed below is justice of the peace in your area.   A one page vote sheet is provided below.  Thanks in advance for forwarding this link to your friends. 

THE BALLOT

I.                   Candidates

US Senate:  This is a tough race.  Landrieu is a senior senator running for re-election. Cassidy and Maness are providing opposition.  This will be a close race, but Landrieu will most likely win in a three way race. 

US Representative:  John Fleming (R) should easily win re election. 

Public Service Commission:  Foster Campbell (D) should win this easily. 

District Attorney:  Schuyler Marvin is running for re-election.  He has served the district well and should win easily. 

City Marshall:  This is an open seat vacated because Lynn Austin is not running for re-election.  This position was held by Johnny Wyatt for many years.  Jim Whitman will win not only because he has been with the Marshall’s office but mainly because his wife cooks all the ribs, brisket and turkey at Silver Star. 

II.                Amendments: 

Many people think the legislators are trying to make the State Constitution so convoluted and confusing through the amendment process that one day soon a Constitutional Committee will have to be called and rewrite it.  As such, all amendments should receive a NO vote.  Only three of this year’s amendments correct issues that should rise to the level of a change or amendment to the constitution.  Full breakdown of amendments here: 

Constitutional Amendment 1:  Trust fund.  Vote NO.  This law is an admission that we cannot budget as a state.  We have to tell legislators not to raid Medicaid as a way to pay for festivals.  We should not have to tell the legislature that the elderly and disabled are a top priority.  This is much like Pontius Pilate letting the crowd decide.  A no vote should send a message that the legislature needs to fix our budget process and not use the constitution amendment system as a vehicle to do so.

Constitutional Amendment 2:  Trust fund.  Vote NO .  This is a not proper for a constitutional amendment.  This would fund some providers but not all providers. 

Constitutional Amendment 3:  Privatizing tax collections.  Vote NO.  This is an area of government that should not be privatized.  Motive for profit could interfere with due process rights. 

Constitutional Amendment 4:  Creating a State Bank.  Vote NO.  Last thing we need in our state is a state run bank.  If state cannot budget and get it financing through regular channels, then it sure as heck should not be allowed to create its own bank. 

Constitutional Amendment 5:  Change mandatory retirement age.  Vote NO.  70 is the current limit.  The law wants to eliminate the retirement age meaning a judge can serve until death.  There are no term limits on judges, the 70 year rule is the only restriction and it is a fair restriction. 

Constitutional Amendment 6:  Orleans Parish Millage Rates.  Vote NO.  If this passes everyone that pays taxes will suffer in New Orleans. 

Constitutional Amendment 7:  Homestead Exemption for Veterans Clarification.  Vote YES. This is proper and should pass.    

Constitutional Amendment 8:  Artificial Reef Fund.  Vote NO.  This would elevate another part of the budget to constitutionally protected status.  Vote no. 

Constitutional Amendment 9:  Disabled and Taxes.  Vote YES.  This is a clarification of the tax code to protect the disabled. 

Constitutional Amendment 10:  Steal your home act.   Vote NO.    This would reduce your chance to redeem your property from three years to 18 months.  This is being pushed by those that want to steal family land to get the mineral rights. If this passes, it means your could lose title to family land before you even know that you owe the taxes.  Currently if you or your heirs don’t pay for local and parish property taxes for three years, then you could lose TITLE to that property.  This law would shorten that period to 18 months. 

Constitutional Amendment 11:  Increase size of Government.  Vote NO.  We don’t need a Department of Elderly Affairs with 100 bureaucrats running it to take care of the elderly.  The elderly in our state would be better off if we just took that money we are going to waste on a agency and divide by the number of elderly and give it to them.  We just need the state to do the job with what it has.  No creation of a new government agency. 

Constitutional Amendment 12:  Wildlife Commission Membership.  Vote NO.  This should not be in the constitution in the first place. 

Constitutional Amendment 13:  Ninth Ward Property. Vote YES.  State must sell this devastated property.  Private investors can make it work. 

Constitutional Amendment 14:  Tax Issues.  Vote NO. 

III.            LOCAL TAXES: 

Vote NO on all Parish Taxes

PW Millage Renewal - 7.57 Mills - PJ - 10 Yrs.

PW Council on Aging - 1 Mill - PJ - 10 Yrs.

PW Shreveport-Bossier Conv. & Tour. Bur. - 2% Tax - BOD - 24 1/2 Yrs.

Cypress-Black Bayou Rec. & Wtr. Dist. - 1.54 Mills - BOC - 10 Yrs

IV.            School Board

 

          Tammy Smith (Benton Area)
          Eric Newman (Parkway Area)

Thursday, February 27, 2014

Gatti vs. State of Louisiana through the Commissioner of Conservation


A January 2014 court ruling revived a landmark case on Louisiana Mineral Law and landowner rights. Follow the link to read the full opinion.  (Gatti vs. State of Louisiana through the Commissioner of Conservation, et al).

Please contact our office if you have any questions.

Gatti v. Commissioner of Conservation, et al