This bill enacts 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 legislation aims to enhance public safety, reduce insurance fraud, and lower claims costs by incentivizing the use of these technologies. Insurers are required to provide discounts on liability premiums for eligible vehicles, with the discount amount based on actuarial justification related to loss experience and claims 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. The commissioner of insurance is responsible for compiling these reports and submitting them to relevant legislative committees. The act is set to take effect on January 1, 2026, and will apply to all commercial motor vehicle insurance policies issued or renewed after that date.