LA HB549

Requires insurers to provide actuarially-justified discounts on liability premiums for commercial motor vehicles equipped with dashboard cameras (minimum 1080p resolution) and telematics systems that track driving behavior such as speed, braking, and mileage

Surplus lines insurers are exempt from the discount requirement; the discount applies only to bodily injury and property damage liability coverage, not collision or comprehensive coverage

Policyholders must have equipment installed and operational at policy issuance or renewal, maintain continuous use, and provide proof of compliance through vendor certificates or telematics data reports upon insurer request

Insurers must submit annual reports to the commissioner by March 1 detailing the number of vehicles receiving discounts, aggregate savings, and changes in claim frequency or severity; the commissioner must compile summaries for legislative insurance committees by June 1 each year (beginning June 1, 2027)

Effective January 1, 2026 for policies issued or renewed on or after that date; willful noncompliance by insurers subjects them to penalties under R.S. 22:1969