Monitoring the Session

HB 3840

bill requires car insurance discounts for dashboard cameras

Died in committee

Verdict: No flags

No flagsInitial review
Rep. Ann JohnsonDHouse 134

Initial review · graded Oct 20, 2026 · Headline, summary and grade are analysis of the bill text, not a finding about any person · How we grade

Caption

relating to automobile insurance premium discounts for dashboard cameras.

Caption from analyzed text · version I.

Summary

Install a dash cam, get a premium discount.

The bill orders the state insurance commissioner to write rules requiring car insurers to give a premium discount when a covered vehicle has a dashboard camera installed. It touches auto insurers, the Texas Department of Insurance, and drivers who install dash cams. Starting with policies issued or renewed on or after January 1, 2026, drivers with a dash cam get some discount, with the size left to the commissioner's rules.

Labels

Labels: NEVER GOT A HEARING. Filed Mar 5, 2025 and referred to the House Insurance committee. No public hearing. The bill died.

Receipt

The receipt

89R-HB3840 · 2025-03-05

SOLD BY

Rep. Ann JohnsonDHouse 134

ITEM

relating to automobile insurance premium discounts for dashboard cameras.

WHAT IT DOES

Install a dash cam, get a premium discount.

The bill orders the state insurance commissioner to write rules requiring car insurers to give a premium discount when a covered vehicle has a dashboard camera installed. It touches auto insurers, the Texas Department of Insurance, and drivers who install dash cams. Starting with policies issued or renewed on or after January 1, 2026, drivers with a dash cam get some discount, with the size left to the commissioner's rules.

CHARGES

[ ] NONE FOUND

TOTAL

No fiscal note in the loaded record.

HISTORY

  1. Filed
  2. Read first time
  3. Referred to Insurance
FILED UNDER

No verified beat found.

No flags

THANK YOU FOR CHECKING THE RECEIPT

CAMPAIGN PAID FOR BY

CAMPAIGN PAID FOR BY

Ann Johnson

Donors

Texas Trial Lawyers Association PAC$73KTexans for Truth and Liberty PAC$65KAgave Democratic Infrastructure Fund$55K

Not tied to this bill.

Sources

The author's campaign account only. Own money and internal transfers are separate on the member page.

Derived itemized flow · Oct 27, 2024 to Oct 24, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Texas Trial Lawyers Association PAC$72,500.00

Texas Trial Lawyers Association PAC

$72,500.00

Cash
$72,500.00
Paid by others
$0.00
Total
$72,500.00

Also funds 137 other sitting lawmakers.

Derived recipient stock · Jul 24, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Dec 10, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 100987008, 101008094, 101030169, 101058089, 101072095.

Texans for Truth and Liberty PAC$65,000.00

Texans for Truth and Liberty PAC

$65,000.00

Cash
$65,000.00
Paid by others
$0.00
Total
$65,000.00

Also funds 44 other sitting lawmakers.

Derived recipient stock · Jun 24, 2025 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Jun 26, 2025 to Oct 15, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101008094, 101072095.

Agave Democratic Infrastructure Fund$54,875.00

Agave Democratic Infrastructure Fund

$54,875.00

Cash
$25,000.00
Paid by others
$29,875.00
Total
$54,875.00
consulting $29,875.00

Also funds 5 other sitting lawmakers.

Derived recipient stock · Nov 22, 2024 to Oct 12, 2026. State data as of Nov 4, 2026.

TEC account match.

Sources

Derived itemized flow · Nov 22, 2024 to Oct 12, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 100987008, 101058089, 101068643, 101072095.

Money

Missing data does not establish zero giving. Display amounts are rounded.

×

Texas Trial Lawyers Association PAC

$72,500.00

Cash
$72,500.00
Paid by others
$0.00
Total
$72,500.00

Also funds 137 other sitting lawmakers.

Derived recipient stock · Jul 24, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Dec 10, 2024 to Oct 23, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 100987008, 101008094, 101030169, 101058089, 101072095.

×

Texans for Truth and Liberty PAC

$65,000.00

Cash
$65,000.00
Paid by others
$0.00
Total
$65,000.00

Also funds 44 other sitting lawmakers.

Derived recipient stock · Jun 24, 2025 to Oct 23, 2026. State data as of Nov 4, 2026.

TEC account match.

Team
Sources

Derived itemized flow · Jun 26, 2025 to Oct 15, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 101008094, 101072095.

×

Agave Democratic Infrastructure Fund

$54,875.00

Cash
$25,000.00
Paid by others
$29,875.00
Total
$54,875.00
consulting $29,875.00

Also funds 5 other sitting lawmakers.

Derived recipient stock · Nov 22, 2024 to Oct 12, 2026. State data as of Nov 4, 2026.

TEC account match.

Sources

Derived itemized flow · Nov 22, 2024 to Oct 12, 2026. State data as of Nov 4, 2026.

Derived itemized contributions on live regular reports and uncovered special-session dates. Internal account transfers and daily reports are excluded.

Report IDs: 100987008, 101058089, 101068643, 101072095.

Votes

No floor vote loaded for this bill.

Fiscal

No fiscal note in the loaded record.

How this was graded

Analysis of text version I by claude-opus-5-5, Oct 20, 2026, against the published rubric.

Sources

Texas House · Filed Mar 5, 2025

03/26/2025 H Referred to Insurance: Mar 26 2025 11:31AM

Texas Legislature Online · Introduced

Data snapshot Oct 26, 2026 at 4:20 AM CDT. Grades, charges, quotes and corrections follow the published record.

House committee · Insurance · Final status: Died in committee

Subjects

Insurance--Insurers & Agents

Insurance--Motor Vehicles

Vehicles & Traffic--Insurance/Financial Responsibility

VIDEO CAMERAS

INSURANCE, COMMISSIONER OF

Text

The text as introduced · 173 words

89R14856 SCL-D

By: Johnson
H.B. No. 3840

A BILL TO BE ENTITLED

AN ACT

relating to automobile insurance premium discounts for dashboard

cameras.

BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:

SECTION 1. Chapter 1952, Insurance Code, is amended by

adding Subchapter I to read as follows:

SUBCHAPTER I. PREMIUM DISCOUNT FOR DASHBOARD CAMERAS

Sec. 1952.401. DEFINITION. In this subchapter, "motor

vehicle" means any motor driven or propelled vehicle required to be

registered under the laws of this state.

Sec. 1952.402. DASHBOARD CAMERA DISCOUNT. The commissioner

by rule shall require insurers to provide a premium discount on an

automobile insurance policy if a covered motor vehicle has a

dashboard camera installed.

SECTION 2. (a) Not later than December 1, 2025, the

commissioner of insurance shall adopt rules as required by this

Act.

(b) The changes in law made by this Act apply only to an

insurance policy that is delivered, issued for delivery, or renewed

on or after January 1, 2026.

SECTION 3. This Act takes effect September 1, 2025.