New Louisiana Law Offers Insurance Discounts to Commercial Drivers with Dash Cams and Telematics

0
2K


Starting January 1, 2026, commercial vehicle owners in Louisiana may see reduced liability insurance premiums thanks to a newly passed law that rewards the use of dashboard cameras and telematics systems.

The measure, House Bill 549, introduced by Rep. Schamerhorn during the 2025 legislative session, mandates that insurers offer discounts on commercial motor vehicle liability policies for qualifying technology installations.

According to 103.3 The GOAT, the goal of the law is to boost road safety, reduce fraud, and cut costs for commercial fleet operators across the state.

Who Qualifies?

To receive the discount, policyholders must:

  • Install and maintain both a dash cam and a telematics system

  • Ensure the equipment is active and functional throughout the policy term

  • Meet technical specs outlined by the Louisiana Commissioner of Insurance

  • Provide documentation (e.g., vendor certificates or data reports) to their insurer, including annual proof of compliance

Surplus lines insurers are exempt, and the discount applies only to liability coverage, not collision or comprehensive — unless voluntarily extended by the insurer.

Loss of Discount & Reinstatement

If the systems stop functioning and are not repaired, the discount will be removed at the next renewal. However, it can be reinstated once the policyholder provides valid proof of compliance.

Accountability & Reporting

To monitor the law’s effectiveness, insurers must submit annual reports by March 1st tracking:

  • Number of vehicles receiving discounts

  • Total savings issued

  • Changes in claim frequency or severity

Starting June 1, 2027, the Insurance Commissioner will present yearly summaries to the Louisiana House and Senate Insurance Committees.

With Louisiana often ranked among the costliest states for vehicle insurance, HB 549 is seen as a promising step toward lower premiums and improved driver accountability for commercial fleets.

 



Love
1
Search
Sponsored
Categories
Read More
Trucking News
Celebrities treat truck stop “like a zoo” in ‘disrespectful’ photoshoot
Two major celebrities stopped off at a Pilot truck stop for a photoshoot that highlighted just...
By MEGA MISTAKES 2022-08-29 14:23:12 0 13K
Trucking News
Semi log truck crashes into railroad company office building in Cantonment
CANTONMENT, Fla. — A semi log truck slammed into the Alabama & Gulf Coast Railway...
By Truck Drivers Life 2025-10-14 15:48:12 0 3K
Trucking News
Semi-Truck Driver Charged After I-20 Crash in Texas Kills Five, Injures Several Others
KAUFMAN COUNTY, Texas — A semi-truck driver is facing serious charges after...
By American Truck Drivers 2025-06-30 18:46:04 2 15K
Trucking News
Trucker suspected of bank robbery dies after hours-long standoff at Illinois truck stop
A trucker suspected of bank robbery in Michigan died during a police standoff at a truck stop in...
By MEGA MISTAKES 2024-03-12 14:59:16 0 13K
Trucking News
Truck Drops Massive Concrete Beam Into Canal Near Alligator River Bridge, Closing U.S. 64 for Hours as Crane Responds
TYRRELL COUNTY, NORTH CAROLINA — U.S. Highway 64 has reopened near the Alligator River...
By Truck Drivers Life 2026-02-13 16:10:17 0 476
News | Truck Drivers Life | Social Network for Truck Drivers https://www.truckdrivers.life