HLS 22RS-137 ORIGINAL
2022 Regular Session
HOUSE BILL NO. 290
BY REPRESENTATIVE ROBBY CARTER
INSURANCE/AUTOMOBILE: Provides for a five percent insurance rate reduction for
motor vehicles with a dashboard camera
1 AN ACT
2To amend and reenact R.S. 22:1457(E) through (H) and to enact R.S. 22:1457(I), relative
3 to motor vehicle insurance rate reductions; to provide a reduction in motor vehicle
4 insurance premiums to policyholders with a dashboard camera installed in their
5 motor vehicle; to provide a penalty for policyholders who falsely certify that there
6 is an operating dashboard camera in their motor vehicle; and to provide for related
7 matters.
8Be it enacted by the Legislature of Louisiana:
9 Section 1. R.S. 22:1457(E) through (H) are hereby amended and reenacted and R.S.
1022:1457(I) is hereby enacted to read as follows:
11 ยง1457. Discounts; rate reductions
12 * * *
13 E.(1) An insurer who delivers or issues for delivery in this state a policy for
14 motor vehicle insurance coverage shall provide a five percent reduction in premiums
15 charged for bodily injury liability, property damage liability, personal injury
16 protection, medical payments, and collision coverage with respect to a motor vehicle
17 equipped with an operating dashboard camera.
18 (2) An insurer who delivers or issues for delivery in this state a policy for
19 motor vehicle insurance coverage shall establish a system for the submission of
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CODING: Words in struck through type are deletions from existing law; words underscored
are additions. HLS 22RS-137 ORIGINAL
HB NO. 290
1 proof and certification that a dashboard camera has been installed in an insured's
2 motor vehicle and that the camera is in operating condition.
3 (3) If an insured receives the premium reduction provided for in this
4 Subsection and the dashboard camera is no longer in operating condition or the
5 insured has falsely certified that the motor vehicle is equipped with an operating
6 dashboard camera, the insurer may impose a penalty upon the insured, in an amount
7 not to exceed the premium reduction granted for one year or the period such
8 reduction was wrongfully granted, whichever is shorter. An insurer may thereafter
9 deny the premium reduction provided for in this Subsection, regardless of whether
10 an operating dashboard camera is installed in the motor vehicle in the future.
11 (4) The commissioner shall promulgate rules to establish standards for the
12 size, installation location, and product specifications of dashboard cameras that,
13 when installed in an motor vehicle, will qualify the insured for the premium
14 reduction provided for in this Subsection. The commissioner may maintain a list of
15 approved dashboard cameras that conform to the specifications established by the
16 commissioner.
17 (5) The commissioner shall promulgate a form for an insured to certify that
18 he has installed a dashboard camera that conforms to the size, installation location,
19 and product specifications requisite to receive the premium reduction provided in
20 this Subsection. The certification form shall include a statement that informs the
21 insured of his duty to maintain an operating dashboard camera at all times and that
22 the insurer may impose a penalty pursuant to Paragraph (3) of this Subsection, if the
23 insured makes a false certification or it is discovered that his dashboard camera is no
24 longer operating.
25 F. A rate reduction shall be authorized by the commissioner, if actuarially
26 justified, upon application of a rate filing by the carrier on motor vehicle liability and
27 physical damage insurance for coverage of any motor vehicle when the insured
28 vehicle is equipped with daytime running headlights or headlights equipped to
29 activate in inclement weather.
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HB NO. 290
1 F. G. A rate reduction shall be authorized by the commissioner, if actuarially
2 justified, upon application of a rate filing by the carrier on motor vehicle liability and
3 physical damage insurance for coverage of any motor vehicle when the insured
4 vehicle is equipped with a global positioning system (GPS) or a vehicle tracking
5 system which aids in the recovery of stolen vehicles as such system shall be further
6 defined by rules and regulations promulgated by the Department of Insurance.
7 G. H. For fire insurance rates, all insurers shall assign the fire protection
8 grade of the fire servicing area where the property of the insured is located, provided
9 that the property is located within seven road miles of the nearest responding fire
10 department.
11 H. I. Any insurer who makes application to the commissioner for a rate filing
12 shall provide in its application details as to what discount or reduced rate will be
13 given to insureds who comply with the State Uniform Construction Code.
DIGEST
The digest printed below was prepared by House Legislative Services. It constitutes no part
of the legislative instrument. The keyword, one-liner, abstract, and digest do not constitute
part of the law or proof or indicia of legislative intent. [R.S. 1:13(B) and 24:177(E)]
HB 290 Original 2022 Regular Session Robby Carter
Abstract: Provides for a 5% insurance rate reduction for motor vehicles with a dashboard
camera.
Present law provides certain insurance rate discounts and reductions.
Proposed law retains present law and provides a 5% reduction in premiums charged for
bodily injury, property damage liability, personal injury protection, medical payments, and
collision coverage with respect to a motor vehicle equipped with an operating dashboard
camera.
Proposed law provides that every insurer issuing motor vehicle insurance shall establish a
system for the submission of proof and certification that a dashboard camera has been
installed in an insured's motor vehicle and that the camera is in operating condition.
Proposed law provides that if an insured receives the premium reduction provided in
proposed law and the insured has falsely certified that the motor vehicle is equipped with an
operating dashboard camera or the dashboard camera is no longer in operating condition, the
insurer may impose a penalty in an amount not to exceed the premium reduction granted for
one year or the period such reduction was wrongfully granted, whichever is shorter.
Proposed law provides that an insurer may deny the premium reduction provided in
proposed law if the insured has previously falsely certified that he had an operating
dashboard camera.
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HB NO. 290
Proposed law provides that the commissioner shall promulgate rules establishing standards
for the size, installation location, and product specifications of dashboard cameras that, when
installed, will qualify the insured for the premium reduction in proposed law.
Proposed law provides that the commissioner shall promulgate a form for an insured to
certify that he has installed a dashboard camera that conforms to the size, installation
location, and product specifications required to receive the premium reduction provided in
proposed law.
Proposed law provides that the certification form promulgated by the commissioner shall
include a statement that informs the insured of his duty to maintain an operating dashboard
camera and that the insurer may impose a penalty if the insured makes a false certification
or it is discovered that his dashboard camera is no longer operating.
(Amends R.S. 22:1457(E)-(H); Adds R.S. 22:1457(I))
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CODING: Words in struck through type are deletions from existing law; words underscored
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