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Stop Legal System Abuse


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Legal system abuse impacts us all

Legal system abuse is a systemic problem with trial attorneys gaming the system at the expense of consumers. These abuses drive significant costs to consumers, businesses, and our economy.

What is legal system abuse?

Triple-I defines legal system abuse as policyholder or plaintiff attorney practices which increase costs and time to settle insurance claims to the detriment of consumers. Legal system abuse is driven by various factors such as:

  • “Get rich quick” marketing schemes
  • Increasing attorney contingency fees
  • Shadowed third party litigation funding (TPLF)

How does legal system abuse impact YOU?

Legal system abuse drives higher insurance costs for all consumers and businesses, while making attorneys and investors richer.

What can YOU do to stop legal system abuse?

Contact your legislators today and let them know legal system abuse must be stopped!

California


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  • Costs every Californian $2,566.70 per year in a "tort tax".
  • Costs over 850,915 jobs annually.



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California Legal Services Advertising Spending (2023)

Medium Estimated Amount Spent Estimated Ad Quantity
SpotTV $119,843,793 1,373,164
Print $3,022,836 1,028
Radio $50,593,732 787,583
Digital $6,582,722 195,520
Outdoor $58,793,422 N/A
TOTAL $238,836,505 2,357,295

N/A=Data not available.
Source: American Tort Reform Association, Legal Service Advertising in California, 2023.

Florida


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  • Costs every Floridian $1,306.47 per year in a "tort tax".
  • Costs over 254,248 jobs annually.

Florida Legal Services Advertising Spending (2024)

Medium Estimated Amount Spent Estimated Ad Quantity
SpotTV $126,288,711 1,833,279
Print $794,703 475
Radio $48,337,341 1,558,570
Digital $9,021,444 913,380
Outdoor $100,383,228 N/A
TOTAL $284,825,427 4,305,704

N/A=Data not available.
Source: American Tort Reform Association, Legal Service Advertising in Florida, 2024.

Georgia
  • Costs every Georgian $1,543.84 per year in a “tort tax”.
  • Costs over 144,854 jobs annually.

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Georgia Legal Services Advertising Spending (2023)

Medium Estimated Amount Spent Estimated Ad Quantity
SpotTV $84,686,770 1,417,025
Print $718,411 269
Radio $21,874,302 408,946
Digital $4,898,550 403,977
Outdoor $56,507,164 N/A
TOTAL $168,685,196 2,230,217

N/A=Data not available.
Source: American Tort Reform Association, Legal Service Advertising in Georgia, 2023.

Illinois


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  • Costs every Illinoisan $2,003.98 per year in a "tort tax".
  • Costs over 214,039 jobs annually.



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Chicago Legal Services Advertising Spending (2024)

Medium Estimated Amount Spent Estimated Ad Quantity
SpotTV $19,266,984 118,929
Print $280,517 80
Radio $11,231,340 212,555
Digital $707,305 8,478
Outdoor $9,228,108 N/A
TOTAL $40,714,254 340,042

N/A=Data not available.
Source: American Tort Reform Association, Legal Service Advertising in Chicago, 2024.

Louisiana
  • Costs every Louisianan $1,179.53 per year in a “tort tax”.
  • Costs over 45,348 jobs annually.

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Louisiana Legal Services Advertising Spending (2023)

Medium Estimated Amount Spent Estimated Ad Quantity
SpotTV $30,411,918 808,285
Print $73,082 32
Radio N/A N/A
Digital $681,638 170,353
Outdoor $13,998,854 N/A
TOTAL $45,165,492 978,670

N/A=Data not available.
Source: American Tort Reform Association, Legal Service Advertising in Louisiana, 2023.

Missouri


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  • Costs every Missourian $1,266.34 per year in a "tort tax".
  • Costs over 66,265 jobs annually.

Missouri Legal Services Advertising Spending (2025)

Medium Estimated Amount Spent Estimated Ad Quantity
SpotTV $42,403,881  412,685
Print N/A N/A
Radio $8,648,541  338,763
Digital $3,406,463  41,667
Outdoor $10,750,159 N/A
TOTAL $65,209,044 793,115

N/A=Data not available.
Source: American Tort Reform Association, Legal Service Advertising in Missouri, 2025.

Oklahoma


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  • Costs every Oklahoman $979.63 per year in a "tort tax".
  • Costs over 33,656 jobs annually.

Oklahoma Legal Services Advertising Spending (2025)

Medium Estimated Amount Spent Estimated Ad Quantity
SpotTV  $11,017,825 208,142
Print N/A N/A
Radio N/A N/A
Digital $1,462,256 79,434
Outdoor $1,196,436 N/A
TOTAL $13,676,517 287,576

N/A=Data not available.
Source: American Tort Reform Association, Legal Service Advertising in Oklahoma, 2025.

Wisconsin


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  • Costs every Wisconsinite $1,355.25 per year in a "tort tax".
  • Costs over 68,658 jobs annually.

Wisconsin Legal Services Advertising Spending (2025)

Medium Estimated Amount Spent Estimated Ad Quantity
SpotTV  $25,938,321 391,770
Print N/A N/A
Radio $1,231,128 89,698
Digital $2,016,413 67,048
Outdoor $8,847,073 N/A
TOTAL $38,032,935 548,516

N/A=Data not available.
Source: American Tort Reform Association, Legal Service Advertising in Wisconsin, 2025.

In the News

Triple-I Launches Tort Reform Awareness Efforts in Missouri

Legal System Abuse Continues Nationwide, But Reform May Be on the Horizon

TPLF Reform Bills See Movement on State and Federal Levels

Florida Insurance Costs 14.5% Lower Than Without Reforms, Report Finds

Triple-I Launches Campaigns to Bring Awareness to Legal System Abuse

Non-Economic Factors Are Shifting Litigation Landscapes and Insurance Markets

New TPLF Law Could Bring NY Costs Down

Triple-I Reflects on 2025 Legal System Abuse Efforts

NY Legal System Abuse: Op-Ed Highlights What Must Change in 2026

Federal TPLF Bills Would Bring Much-Needed Reform

Thriving IL Insurance Market Avoids Political Mishap

Gov DeSantis Delivers $1B Auto Refunds, Celebrates Tort Reform Win

WSJ Op-Ed Highlights “Missed Opportunity” of Federal TPLF Bill 

Big Litigation Hits Arizona: Firms Find TPLF Loophole

New Developments in Louisiana’s Legislature Could Impact the Insurance Market

Florida Governor Touts Auto Insurance Rebates, Tort Reform Success

End the Tax Break for Litigation Funders

  

More Resources

Increasing Inflation on Liability Insurance – Impact as of Year-End 2024 

Revealing Hidden Cost to Consumers of Auto Litigation Inflation

A Consumer Guide: How legal system abuse impacts you

How legal system abuse drives social inflation

What is third-party litigation funding and how does it affect insurance pricing and affordability?

Video: Triple-I CEO Sean Kevelighan on the Insurance Industry and Homeowners Coverage

Video: Consumer Thoughts on Legal System Abuse

Members-Only Resources

Review of Motor Vehicle Tort Cases Across the Federal And State Civil Courts 

Triple-I Issues Brief: Florida Reforms Bear Fruit as Premium Rates Stabilize

Triple-I Issues Brief: Georgia Insurance Affordability

Triple-I Issues Brief: Illinois

Triple-I Issues Brief: Louisiana Insurance Market

Triple-I Issues Brief: Legal System Abuse

Talking Points: Federal Legislation on Third-Party Litigation Funding