Minnesotans Against Fraud and Higher Insurance Costs

In February 2007, the Minnesota Trial Lawyers Association (MTLA) backed legislation to allow two lawsuits for every insurance accident, one against the person who caused the accident and another against their insurance company. The Insurance Federation of Minnesota (IFM) retained the partners of Redwood Pacific Public Affairs and Minnesotans Against Fraud and Higher Insurance Costs was formed to shepherd the issue with voters and serve as the organized opposition.

The committee launched its attack through paid media, direct mail, earned media and grassroots/grasstops recruitment. The partners of RPPA developed a campaign message strategy that framed the issue in terms consumers would understand and that would provide enough fuel to encourage public outcry. The pieces of legislation were branded as the “Double Lawsuit Bills.”

The campaign had its desired effect. At every step in the legislative process, the coalition and its messages provided a substantial hurdle that the MTLA was unable to overcome. The attempts to include it in the budget language were unsuccessful and the stand alone language was never brought up for a vote because the trial bar did not have the votes to get it passed.

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