Using a dashboard camera can provide you with a range of benefits. It can help provide you with evidence in the event of a crash and can also help you with your car insurance. Dash cams are reasonably priced, and you can expect to purchase one for around $100.
Many dash cams record hours of video in a continuous loop. The most recent video will replace the older footage once you start your vehicle. You can purchase higher-grade cameras that can even record when your car is off, that are triggered by motion sensors or are equipped with GPS sensors that can overlay the speed, time, and location. Other dash cams offer a two-way video of the road ahead of you and of the passengers inside of your car.
While having a dash camera will not provide you with a discount on your car insurance premiums, it will provide you with footage that will be valuable in certain situations.
Here are some of the top reason why you should consider getting a dash camera:
Fight Insurance Fraud
If you’ve been in an accident but have a suspicion that it was a “crash for cash” scam, you can turn over your dashcam footage to the insurance companies involved or to your state insurance fraud unit for investigation. This can help you indirectly lower your rates.
Prove Your Innocence
If you get stopped for a traffic violation that you did not commit, your dashcam footage will play an important role in getting you out of your traffic ticket. You can offer this footage to the officer before they write the ticket, or you can bring the footage to court when you go to contest the ticket.
In many cases, moving traffic violations will normally put points on your state driving record and will also raise your car insurance rates. By not receiving a ticket or beating the ticket using video footage from your dash cam can avoid these penalties.
Monitor Your Teen’s Driving
Drivers who are under the age of 25 typically have the highest car insurance rates. They are charged a higher rate due to their lack of experience driving and their tendency to wreck and cause insurance claims. With a dashcam, you can prevent your teen from being held at fault for an accident or traffic violation they didn’t commit.
This footage also gives you a chance to review your teen’s driving with them and show them areas where they can improve. A two-way dashcam or multiple dash cams are recommended for teens. This can help you view inside the vehicle to see if your teen is distracted by their phone or passengers and will also help see a comprehensive view outside of the vehicle in the event of an accident or a ticket.
Get Your Accident on Tape
When an accident happens, the adrenaline can cloud your memory, causing you to forget important details and description of the incident. If you weren’t responsible for the accident, having video evidence of the accident can help you from being found at fault by the car insurance company. This, in turn, will also help you avoid higher auto insurance rates.
In addition, dashcam footage can help expedite your car insurance claim rather than waiting on draw-out discussion with insurance companies as they try to determine who is at fault.
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