No one likes being wrongly accused of being at fault in a car accident. Unfortunately, if this happens someone could make an insurance claim against you and, while you’re sure you’re not at fault, how can you prove it?
Introducing dashcams and in-car cameras.
Here is your chance to prove your innocence using clear, recorded, visual evidence via a simple dashboard camera. Using a dashcam means you can accurately and quickly establish who was at fault in an accident. The device is likely to encourage more responsible driving and enable lower premiums. Dashcams can therefore prevent you from losing your no-claims bonus, as well as save you potentially hundreds or even thousands of pounds in unfair costs.
These car cameras are proving to be so popular that the RAC plans to launch its own version which connects via a mobile app to telematic “black boxes” – boxes fitted inside your car which transmit long-distance, computerised information on your driving habits. Find out more about black boxes in our article on black boxes to monitor drivers for car insurance.
Crash for cash
The ‘crash for cash’ scam is a money spinner for fraudsters who brake while carrying multiple passengers, causing the car behind to crash into theirs. The passengers in the front car then claim for whiplash injuries.
Commenting on the rising popularity of dashcams recently, insurance expert Pete Williams, said: “As long as they are used correctly, they are a valuable record of the circumstances that occurred around an accident and as such can help to reduce the cost of personal injury claims which, in turn, will ultimately reduce the cost of insurance.
“Used in conjunction with a telematics ‘black box’ to gain a very accurate information of driver behaviour they can also help customers and insurers to deal with claims more quickly which is good for everybody.”
Reporting bad drivers
The benefit of dash cameras is not only the ability to prove your innocence. Using it will help catch bad drivers in the act and it will soon be easy to forward footage to the relevant authorities.
Geoff Rolls, a psychologist from Southampton University, says: “Traffic accidents happen so quickly and cause such stress that it’s highly likely the recollections of the people involved will be sketchy, even without taking into account the fact that people naturally interpret things to their own advantage.
“Dashcams provide a solution to this problem, and can even discourage dangerous or inconsiderate driving by making motorists accountable for their actions.”
Cheaper car insurance?
A Nextbase survey has revealed that six in ten drivers say they would fit a camera if it entitled them to a discount on their insurance premiums.
As they are so new to the market dashcams will not yet guarantee you discounts on your car insurance. However, it is expected that once insurers start to experience improvements in the claims experience through their usage, they may well be offering reductions to customers who use them in the future. In the meantime, you will be able to prove you were not at fault and effectively avoid wrongfully losing your hard-earned no-claims bonus.