Relating to automobile insurance premium discounts for dashboard cameras.

HB 3840 requires Texas auto insurers to offer premium discounts for vehicles equipped with dashboard cameras. The bill directly affects drivers who install these devices and insurers who must provide the discount under new rules. Key provisions mandate the Insurance Commissioner to adopt rules by December 1, 2025, making the discount available for policies delivered, issued, or renewed on or after January 1, 2026. The law takes effect September 1, 2025, with no immediate changes to existing policies. This creates a concrete policy change requiring insurers to adjust pricing based on dashboard camera installation.