Louisiana Dash-Cam Insurance Discount Starts January 1, 2026

The time to act is now! Get started with TrackNet Online dash cams so you can start receiving insurance discounts and benefits by the time 2026 rolls around.

Claim My Louisiana Discount

Why Act 19 (HB 549) Matters for Louisiana Fleets

Automatic Liability Savings

Beginning with policies issued or renewed on or after January 1, 2026, every authorized insurer must discount the liability portion of your commercial-auto premium for each power unit that runs an approved dash cam paired with telematics.

Clear-Cut Compliance Rules

Cameras must record in 1080p or better, loop continuously, and sync with a telematics device that feeds speed, braking, and mileage data to you — or straight to your underwriter — on demand.

Annual Verification

Carriers will ask for a yearly telematics summary or affidavit proving the gear stayed online; skip it and the discount evaporates.

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Real-World Math: What Could Your Operation Save?

Premiums vary, yet Louisiana carriers typically pay $7,000–$9,000 per tractor in annual liability. Plug in an 8 % actuarially justified discount (early chatter from underwriters puts the range between 5 % and 12 %):

Fleet Size Current Liability Spend Projected Act 19 Savings*

10 trucks – $80,000 / yr
~$6,400 / yr

50 trucks $400,000 / yr
~$32,000 / yr

100 trucks $800,000 / yr
~$64,000 / yr

The Bigger Payoff Beyond Insurance

Fleet safety is crucial to your operations, potentially saving you millions in accident / lawyer fees.

Lower Crash Risk

Video plus live vehicle data helps coaches nip tailgating and distraction before disaster strikes.

Driver Retention

Drivers who know exonerating video has their back stick around

Faster Claim Resolution

Clear, timestamped footage squashes he-said / she-said in minutes and shields your CSA profile.

Fuel & Maintenance Wins

Fleets that layer dash-cam data over TrackNet telematics typically shave 4-6% off fuel bills and stretch brake life by thousands of miles.

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How TrackNet Sets You Up for Act 19 Success

Our fleet dash cams and tracking app come with all the necessary features so you will be compliant with Act 19 and experience all the discounts.

Certified 1080p+ Dash Cams

Our TrackNet-powered hardware captures the road ahead-and, if you choose, the cab interior, around the clock.

Integrated Telematics

One device handles GPS, engine data, harsh-event detection, and real-time uploads that satisfy the law’s “continuous operation” clause.

Automated Compliance Reporting

Grab an annual Act 19 report in two clicks – VIN, camera serial, uptime, and telematics health – ready for your insurance rep.

Live Coaching & Alerts

Speeding, following-distance, and hard-brake events stream to your dashboard within seconds, turning raw data into coaching moments.

Uptime Monitoring

24/7 camera-health pings alert you the moment a lens is blocked or a SIM drops offline, so renewal season never catches you off guard.

Action Items to Prepare for Act 19

Now (Present Day)

Order Product

Order your dash-cam & telematics kits and self-install (hardware shipping windows tighten in Q4).

Q3 2025

Confirm Discounts

Green car icon with protective shield featuring dollar sign

Confirm insurer discount forms & reporting specs; block two hours for a driver town-hall.

Q4 2025

Finish Installs

Line drawing showing a dash cam installed on a truck dashboard

Finish installs, train drivers, pull your first compliance report; set a reminder for next year’s verification.

Jan 1 2026

Law Takes Effect

Illustration of a wooden judge’s gavel and base

Law takes effect — premium drops instead of climbs; celebrate with a quick ROI check.

Every Year After

Keep Saving with TrackNet

Submit TrackNet’s one-page verification, keep the savings rolling; review footage trends to keep coaching fresh.

Frequently Asked Questions

Do I need driver facing video?y7gmv2025-07-09T20:45:35+00:00

Do I need driver facing video?

The statute only calls for forward‑facing, yet adding inward video often bumps the discount and supercharges coaching.

What about mixed fleets under 10 k GVWR?y7gmv2025-07-09T20:47:07+00:00

What about mixed fleets under 10 k GVWR?

Light‑duty units aren’t covered by Act 19, but many insurers mirror the break if the same camera package is installed fleet‑wide. Ask your agent.

What’s the total cost of ownership?y7gmv2025-07-09T20:47:04+00:00

What’s the total cost of ownership?

All‑in pricing—hardware, cellular data, portal access—starts around $39 per truck per month. Most fleets recoup that in fuel savings alone.

Is my footage discoverable in court?y7gmv2025-07-09T20:47:02+00:00

Is my footage discoverable in court?

Yes; video is treated like any other electronic record. The upside is that clear evidence often shortens litigation or keeps you out of court entirely.

Can I stick with my current telematics provider?y7gmv2025-07-09T21:05:34+00:00

Can I stick with my current telematics provider?

Absolutely—so long as the camera and telematics data marry up and you can export the verification your insurer wants. TrackNet’s platform is API‑friendly if you’d rather integrate than replace.

Ready to Lock in Your Discount?

Equip your fleet with TrackNet dash cams and telematics today, roll into 2026 fully compliant, and let the savings hit your bottom line—not some underwriter’s. Questions? Call (866) 654-2226 or chat live—our team is standing by.

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