In this episode of Chats with Chip, Jonathan Forstall sits down with his father, veteran New Orleans attorney Chip Forstall, to talk about how insurance claims have changed over the course of Chip’s 45 years of experience. Chip explains why today’s adjusters often have less authority, why more cases end up in litigation, and what he believes is driving higher auto insurance rates. They also discuss claim denials, rising repair costs, and how modern vehicles have made even seemingly minor accidents more expensive. It’s an eye-opening conversation about insurance, legal claims, and what Louisiana drivers should understand before they ever need to file a claim.