Why Buying a Dashcam Could Be the Best Insurance Policy
For years, police enforcement has employed dashboard-mounted cameras, sometimes known as “dash cams.” Dashcams, as the name implies, are cameras installed on the body of a car and are primarily utilized as a surveillance camera for the rest of the journey. Dash cameras have been useful for business and individual use since the early 2000s since they catch incidents on the road such as inspection, safe driving, and accidents. There are several advantages to installing a dash camera in your vehicle, particularly if an event happens in which precise details are disputed.
Why do you need a dashcam as a car owner?
A DASHCAM CAN BE VITAL IN CASE OF A RUN AND HIT ACCIDENT: Nobody wants to be involved in a vehicle crash, but they do occur. The claims procedure can rapidly get confused if there is any uncertainty or question about who is to blame for the accident. In some cases, the procedures can descend into your word vs the other driver’s, and you may be judged responsible or at least partially at blame. If you are judged to be at fault in an accident, you may be unable to collect any damages from the other party’s insurance, or you may be forced to pay for repairs out of your own insurance coverage, which usually comes with a premium rise.
Using the evidence from your dash camera to prevent a “he said, she said” issue is one of the greatest methods to avoid a “he said, she said” scenario. If your dash cam captured the collision as it occurred, the footage could be able to clear up any doubts about who was at blame during the court process. A dash cam video could even be able to give enough proof to expedite the process and help you pay the claim sooner.
DASHCAM IS NEEDED TO KNOW WHOM IS AT FAULT: When vehicle crashes are always a risk while driving, many events that cause damage to your vehicle occur while it is parked. If your automobile insurance policy contains full insurance, then occurrences such as theft, vandalism, falling tree branches, and risk of fire are usually covered.
Let’s say one of these potentially disastrous occurrences occurs, and your dash camera catches it. In such scenario, the footage from the camera should help to bolster your claim and expedite the process of getting your automobile fixed via your insurance.
If you reside in a rural region where encountering animals is a risk, having a dash camera capture the moment of collision can also aid you with your insurance claim. You’ll almost always require full insurance in your policy to submit a claim of this kind.
FIGHTING FRAUD IN INSURANCE: Insurance fraud is all too frequent in the car industry. If someone attempts to fake an accident in order to get a false claims settlement, the results can be devastating, costing you thousands of dollars in court expenses and increased insurance rates.
Having a video record of these occurrences may be useful in preventing insurance fraud. If you suspect you have been a victim of auto insurance fraud, you should notify law authorities as soon as possible and give over any video evidence you have.
Any documented evidence of alleged auto insurance fraud can also help you clarify your case with your insurance provider.
PLAYING THE PART OF A SECURITY CAMERA: When your car is parked alone, even if it is locked, there is typically no way of monitoring or safeguarding it, particularly if you are not around. If there are no eyewitnesses to damage or theft, there is generally little to no proof of who did the act. Although comprehensive insurance may cover the cost of the damage, retrieving stolen items is virtually hard when no one is to blame. However, if there is enough dash cam footage to help law police hunt down the culprit and, in certain circumstances, even retrieve your missing things, a dash camera might function as a first-hand witness.
What is the cost of a dashcam
However, the value of a dash camera is primarily determined by how often and how much you utilize your car, and how much you spend on it. A good dash cam will cost you back at least $90, with more sophisticated models going for over $200.
The less costly models usually don’t have fancy Bluetooth or wifi capabilities, but still have HD recording as a feature. Higher-end versions typically have additional features such as larger screens, longer battery life, and GPS built-in.
Furthermore, although some versions are simple to put up, others may require professional installation. Before buying a dash camera, think about what you want it to do for you and make sure it’s working properly before relying on it for any type of video proof. If you go to Amazon.com, you’ll see a wide variety of dashcams for very low prices. I have dashcams in all of my cars and drive with more peace of mind knowing that I have a “witness” capture reality to hold up against a bad driver who may try to blame me for their mistakes.
The finest consumer dash cameras on Amazon usually cost between $60 and $150, however some may be as little as $30. A professional-grade dash cam for truckers might cost anywhere between $80 and $500.
The biggest distinction between car and truck dash cams is that truck dash cams often have a wide-angle fish-eye lens that covers 160 to 170 degrees, whereas automobile dash cams typically cover 120 degrees. Truck dash cameras also come with a more comprehensive set of functions and capabilities.
How can i get cheap dash cams?
So you’re looking for a low-cost dash cam that’s still durable, simple to use, and records in 1080p HD? Head on to Amazon.com.
However, the selection is limited – like with any product line, you get what you pay for. The cheapest alternatives are more likely to be manufactured with lower-quality materials, and you may end up paying more in the long term since you’ll have to replace them more frequently.
Finally, if a dash cam comes with a warranty, it’s often a 12-month or 18-month guarantee that comes with the dash cam purchase.
Regardless, even a cheap dashcam will do the trick. Driving in a big city can be a war so it’s good to be prepared to go into battle with a dashcam on your side.
