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Dash Camera – Your Personal Witness in a Car Accident

By December 19, 2020No Comments

Your Dash Cam provides a record of accidents; thereby, helping prove your innocence in traffic violations and even can also save you money on your insurance premiums.

How can Dash Cam footage help prove your innocence in an insurance claim?

Reliable, high-quality Dash Cam footage can have a powerful impact on the outcome of many common split-liability insurance claims. Previously, drivers didn’t have a way to show that they’d been operating their vehicle safely and according to the law in the moments before an incident occurred.

In Tennessee, Georgia, North Carolina and a majority of other states law enforcement does not determine which driver is at-fault. A police officer will interview the drivers and any witnesses about the auto accident, asking a series of questions designed to piece together an accurate account of what occurred. However, many police reports do NOT include a determination of fault. Ultimately, the insurance company’s claims adjusters determine the percentage of fault. Many states have complicated systems of determining fault, whereby a percentage of the blame can be assigned to each driver that had any part in causing or failing to avoid the accident. This can result in different monetary obligations for each party to an accident and their respective insurance providers.

How Can I protect myself?

Dash Cam footage can stand in as a witness of safe driving behavior, and even change the outcome of a traffic incident to a non-fault. Moreover, insurers can resolve claims with Dash Cam footage up to 50% quicker than without, meaning that a vehicle can get back on the road much sooner than the average standard motor claim time.

This, coupled with the fact that “crash for cash” incidents are on the rise, means that insurers are increasing emphasis on the importance of Dash Cams to stand as the most accurate source of evidence in the event of an incident. The Coalition Against Insurance Fraud (CAIF) found that roughly 35% of insurance companies say fraud costs them 5%-10% in claim volume, and more than 30% say fraud losses cost 10%-20% of their claim volume. With Dash Cams helping to defend against fraudulent claims, everyone saves time and frustration: safe drivers and insurers alike.

How else is Dash Cam footage helpful?

By providing evidence of dangerous drivers on the road to insurers, and even the authorities, you’re helping to keep the roads safer for other motorists. Recent studies by the National Highway Traffic Safety Administration (NHTSA) show that in total, American households experienced a staggering $80 billion in loss and damages each year, unmistakable proof that there is an overwhelming need in the US to improve motorist’s safety and overall experience on the road.

How do Dash Cams help reduce insurance premiums?

Many top U.S. insurers, including, ERIE, Travelers, Stillwater, State Farm, Nationwide, Progressive, Geico, and others, already accept Dash Cam footage as part of their claims process, with the cameras serving as independent witnesses for motorists in the event of a traffic incident. With the highest quality Dash Cam footage on hand, users can speed up the prolonged insurance claim process immensely, saving claims departments significant time and budgetary expenses.

A top manufacture of Dam Cams, Nextbase is taking those savings even further. Overseas, Nextbase was the first Dash Cam manufacturer to partner with insurance agencies in creating an inclusive Dash Cam discount, whereby consumers would have money deducted off of their insurance premium by using a Nextbase Dash Cam. With the launch of the new Series 2 range of Dash Cams in late Spring 2019, and partnerships with top US insurers has  recreated this policy in the United States. So having a Nextbase Dash Cam and recording high-quality footage every time you hit the road is a smart move to protect your innocence and your wallet.

Still have questions? feel free to contact me directly: Jeffery Sullivan at Applegate Insurance Agency. 865-240-2348

Article written by Nextbase