The Insurance Information Institute (Triple-I) has launched advertising campaigns in Oklahoma and Wisconsin aimed at highlighting what the organization describes as the cost of legal system abuse on consumers and state economies.
Triple-I defines the term as practices by policyholders or plaintiff attorneys that increase the cost and time to settle insurance claims, particularly when disputes could have been resolved without judicial intervention.
The organization has pointed to aggressive attorney advertising, third-party litigation financing, and inflated verdicts as key drivers.
The campaigns include digital billboard advertising near state capitol buildings, a highway billboard in Oklahoma City, and targeted Facebook ads directed at lawmakers and residents. Triple-I said the effort is designed to build support for tort reform ahead of the close of each state's legislative session.
The organization cited data showing that legal system abuse costs Wisconsin residents $1,355 per year and has contributed to the loss of 68,658 jobs. In Oklahoma, the annual cost per resident exceeds $979, with 33,656 jobs lost statewide, according to Triple-I.
The per-resident figures draw on research by The Perryman Group, a Texas-based economic analysis firm. In a national study published in early 2025, the firm estimated that excessive tort costs impose a $674.4 billion annual burden on US consumers through higher inflation and reduced earnings.
A joint analysis released in October 2025 by Triple-I and the Casualty Actuarial Society estimated that litigation trends had driven between $231.6 billion and $281.2 billion in increased liability insurance losses over the prior decade. The study found that claim severity, not frequency, was the primary factor.
Triple-I CEO Sean Kevelighan (pictured above) said the campaigns build on previous efforts in California, Illinois, and Missouri.
"We have already seen how meaningful tort reform in states like Florida, Georgia and Louisiana can stabilize the insurance market and provide direct financial relief to consumers," Kevelighan said.
He added that Triple-I remains focused on educating lawmakers and the public on the cost of legal system abuse and driving legislative action to address insurance affordability.
Triple-I has pointed to Florida as evidence that reforms can produce results. Following legal changes enacted in 2022 and 2023, 18 new property insurers entered the state, Citizens policies in force fell 50%, and the five largest auto insurers implemented average rate reductions exceeding 6% through midyear 2025.
The digital out-of-home advertising is placed near the capitol buildings in Madison, Wis., and Oklahoma City, Okla. In Oklahoma City, Triple-I also secured a highway billboard near the state capitol to maintain a physical presence during the 2026 legislative session.
Both campaigns highlight what Triple-I calls the "billboard lawyer" narrative, drawing attention to how aggressive attorney advertising contributes to higher insurance costs. The Facebook component targets consumers and legislators in both states, with ads focused on practices such as third-party litigation financing and its effect on premiums and everyday costs.
The campaigns cover auto, home, and business insurance. Triple-I said the initiatives are intended to demonstrate the role of tort reform in protecting state economies.
