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 549 Engrossed 2025 Regular Session Schamerhorn
Abstract: Requires a premium discount for policyholders of commercial motor vehicles with
installed dashboard cameras and telematics systems.
Proposed law provides a purpose of enhancing public safety, reducing insurance fraud, and lowering
claims costs by incentivizing the use of dashboard cameras paired with telematics systems. Applies
exclusively to commercial motor vehicles and provides that the effects of proposed law should
warrant a reduction in liability insurance premiums.
Proposed law defines "commercial motor vehicle", "dashboard camera", "liability premium", and
"telematics system". Requires insurers authorized to issue commercial motor vehicle insurance
policies in the state of La. to provide a discount on the liability premium for vehicles equipped with
a dashboard camera and telematics system. Requires insurers to provide the discount in an amount
actuarially justified based on certain factors. Further provides that the discount does not extend to
collision, comprehensive, or other coverage types unless otherwise determined by the insurer.
Proposed law provides qualifications for the discount. Requires policyholders to ensure the
dashboard camera and telematics system are installed and operational at the time of policy issuance
or renewal, meeting minimum technical standards prescribed by the commissioner of insurance
(commissioner) while remaining in continuous use during the policy term. Further requires
policyholders to provide proof of installation and operation such as a certificate from a licensed
vendor or telematics data report, upon request of the insurer.
Proposed law requires insurers to annually verify compliance through the policyholder's submission
of a telematics summary report or a signed affidavit attesting to the continuous operation of the
dashboard camera and telematics system. Provides that a policyholder's failure to maintain an
operational dashboard camera and telematics system results in the forfeiture of the discount at the
next policy renewal, unless the insurer reinstates the discount upon proof of the policyholder's
compliance.
Proposed law requires insurers to submit an annual report to the commissioner by March 1
st
of each
year that provides the number of commercial motor vehicles receiving the discount; the aggregate
savings provided to policyholders; and any observed changes in claim frequency or severity
attributable to dashboard cameras and telematics usage. Requires the commissioner to submit a
summary of these reports to the House and Senate committees on insurance by June 1
st
of each year,
with the first submission beginning on June 1, 2027. Proposed law requires the commissioner to promulgate and adopt rules and regulations in accordance
with the APA to implement proposed law. Provides guidelines for regulations.
Proposed law provides that insurers found in willful noncompliance of proposed law are subject to
the penalties of present law (R.S. 22:1969).
Proposed law applies to all commercial motor vehicle insurance policies issued or renewed on or
after Jan. 1, 2026.
Effective Jan. 1, 2026.
(Adds R.S. 22:1482.2)