This bill enacts a new section, R.S. 22:1482.2, which mandates premium reductions for the liability portions of insurance policies covering commercial motor vehicles that are equipped with dashboard cameras and telematics systems. The purpose of this legislation is to enhance public safety, reduce insurance fraud, and lower claims costs by incentivizing the use of these technologies. Insurers are required to provide a discount on the liability premium for eligible vehicles, with the discount amount being actuarially justified based on relevant data. The bill also outlines definitions for key terms, eligibility criteria, and compliance reporting requirements.

Additionally, the bill establishes that policyholders must ensure their dashboard cameras and telematics systems are operational and meet specific technical standards to qualify for the discount. Insurers are tasked with verifying compliance annually and must report on the number of vehicles receiving discounts and any changes in claim frequency or severity related to the use of these technologies. The commissioner of insurance is responsible for promulgating necessary rules and regulations to implement the section, and the act is set to take effect on January 1, 2026, applying to all relevant insurance policies issued or renewed thereafter.