Is it smart to have a dash cam in your car? How will it help you if you ever have an auto insurance claim?
In the last video and post we talked about the steps you should take if you’re in a car accident (see here). One of the steps that I really, really stressed was documentation, video everything you can, take pictures of everything you can and just documenting everything. So I wanted to do a followup today with something else you can do that will greatly help you if you ever are in an accident and you’re needing to prove that it wasn’t your fault- and that is to buy a dash-cam.
Where to buy a dash-cam?
If you’re not lucky enough to drive a really nice car that has a dash-cam that records 24/7, you can buy dash-cams on Amazon for extremely cheap. I bought this one last week. They are anywhere from $35 up to $100, if you want to get a really nice one. But I just got a basic one that does the job, and that records front and back.
Watch the video above to see the one I purchased
How can this help?
I had an insured that was backing out of a parking spot. Somebody was flying down the lane and hit them. The insurance company said it was my client’s fault, who was backing out, and that the person coming down the lane had right of way. My insured said, “Well, this guy was driving reckless. If he would have been driving at the normal speed limit and paying attention, he never would have hit me”, but there was no way to prove it. The insurance company charged him for an at-fault car accident and his car insurance rates went up because of it. If he had this dash-cam that showed this guy driving reckless, maybe texting or whatever, that would’ve been a whole different story. But because he had no way to prove it, my insured was the at-fault person, and so it hurt him on his insurance rates.
So for $35, $40 to add one of these in your car, and it’s constantly recording, that protects you. In the case of an accident, you can always prove that it wasn’t your fault. So I suggest you get one. I don’t care which one you get, but I suggest you get one and you always have a running in your vehicle.
An important note
There have been instances of someone turning in their dash-cam video when they didn’t need to. The insurance company had already determined that they were not at-fault and they were moving on with the claim. However, when the insured turned in their video the insurance company decided to reverse their decision and charge this person for an at-fault accident! So my advice to you is to not turn in the dash-cam video unless you need to. If the insurance company has already determined that you were not at fault then don’t turn it in!