How Can a Dashcam Help You With Your Car Insurance Claim?

Although it’s a common practice in such countries as South Korea, US auto insurance companies do not offer any discounts for having a dashcam installed in your car – at least, not yet. But seeing as the situation is dynamically changing in countries across the globe (for example, more and more insurers in the UK provide lower rates for dashcam owners), it’s possible the day will also come for the US drivers.

Until then, however, there are still plenty of ways your dashcam can help you with your car insurance and insurance claim.

Invaluable Footage 

Your dashcam main’s job is to provide the footage when needed. Dashcams, such as the BlackVue DR900S-2CH dual channel dashcam, record constantly everything that’s going in front of and behind your car. If needed, you can pull up the video on your phone instantly with the BlackVue app, or download it and send it to your insurance company. The entire process is easy, fast, and gives you the confidence of having indisputable evidence.

Make the Insurance Claim Process a Breeze

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The insurer will appreciate your dashcam footage.

In the dreaded “he said, she said” situations, when there are no witnesses and the two people involved in the collision are adamant they are not the one responsible, the insurance claim can be an exhausting and overly drawn-out process. However, by giving your dashcam footage to your insurance company you can expedite it and make it as fast as a couple of minutes on the phone.

They Say The Devil is in the Detail

Dashcam footage can tell your insurer a lot. All the details – beginning with who is at fault, what color the traffic light was, at what speed you were going, what time it happened and ending with what the weather was like during the incident – provide a more accurate insight into the situation. This can speed up the insurance claim.

Fight With Insurance Scams

two people fighting

You might be a victim of an insurance scam.

Being in a traffic accident is stressful as it is. Unfortunately, auto insurance scams are a real thing and can only add to an already upsetting situation. Regrettably, there are people who will try to take advantage of our distress or lack of knowledge. There are steps that can be taken to prevent that, though. In fact, we published an entire article on how to protect yourself from auto insurance scams. One of the methods is having a dashcam installed in your car. If anything seems not right about the situation you are in, you can always check the video and be sure what actually happened, despite what the scammer is trying to allege.

Higher premiums? Not anymore!

wallet with money

Dashcams lower the risk of higher premiums.

Even though the auto insurance companies may not offer you a discount for having a dashcam, getting one can surely save you from paying higher premiums if you were involved in an accident. You might be 100% sure you were not at fault. But the other driver – or even worse, eyewitness – claims you were. And there you are trying to defend your legitimate position in a two against one argument. At some point you might even start doubting yourself. Having dashcam footage on hand takes away all that stress and ensures your insurance company can review the video for a definite proof of who was at fault. 

 

In conclusion, having a dashcam gives you one thing less to worry about when you are out and about. You might have to shell out some coins in the beginning – for a bigger microSD card, for example – and the return on investment for a dashcam is not instant. However, the financial benefits are there in the long run, and you end up saving not only money, but also time, and – more importantly – your peace of mind!

 

Disclaimer: 
The content of this article is intended for general information purposes only and does not constitute legal advice. Furthermore, some of the information contained in this article may not apply to your country or jurisdiction, so use this material at your own discretion.