In virtually every corner, street, event hall, or local store, there’s a camera watching our every move. If it’s not with a modern mobile device with a high-quality digital camera, it’s a CCTV camera or a car dashcam that keeps track of happenings on the roads.
Installing this unique device on your car has immense benefits especially when it comes to insurance claims. It acts as an invaluable witness whenever you’re involved in a car accident.
Here are some of the reasons why installing a surveillance camera in your car gives you leverage when filing for an insurance claim.
Avoid Unnecessary Ticket and Bad Driving History
Your insurance premium will be skyrocket if you have a bad driving history. Remember, every driving ticket you get goes into the record.
With dashcam footage, you stand a high chance of disputing it, if you’re on the right side of the law. This way, your premium will not be increased.
Impartial Witness during Accident
Drivers can give a different account of a road mishap. However, you can prove them wrong by providing video footage of the accident. You’ll be duly compensated for any car damage if you’re not at fault.
In addition, this helps lower your premium. It shows clearly who’s at fault after an accident.
Protect Against Insurance Fraud
Most drivers are fraudsters. Apart from intentionally causing an accident, they will also make it look like the accident was caused by the negligent acts of another driver. The endpoint is to get rewarded for an act they committed intentionally.
Your dashcam footage can become an invaluable asset in apprehending these fraudsters. This singular act can help prevent higher premiums for all car owners with an insurance policy.
Enhance Your Driving Skill
Your driving history will have a significant impact on your premium. Reviewing your car’s surveillance camera footage daily can help improve your driving skills.
If you don’t want to deal with a high premium, then work towards keeping a good driving history.
Will A Dash Cam Footage Be Accepted As Evidence by insurance companies, police or court?
The answer to this question is YES. Two organizations benefit greatly from the use of dashcam - insurance companies and law enforcement agents.
Since it is used to document road activities and events, insurance companies have access to valuable information thus reducing the workload of investigation. With these footages, your insurance claims will be sorted a lot faster.
Any driver who after an accident decides to lie will be made to face the wrath of the law where applicable.
The age old question, does using a dash camera help reduce insurance premiums?
Dash cams can indeed help reduce your car insurance premium in the UK, as many insurers offer discounts for drivers who have a dash cam installed in their vehicle.  Even without a dashcam insurance discount, merely having a dashcam can indirectly affect your premium, which in turn helps keep your car insurance costs low.  Additionally, some insurers may view a dash cam as a sign of being a more responsible driver, which could help to reduce your car insurance costs. 
References:  Will a dash cam reduce my insurance? - RAC Shop Advice  Does having a dash cam lower insurance?  Can I get a discount on car insurance with a dash cam?
A vehicle is a big investment so you should do everything to protect it and one popular option is installing a dashcam. Many drivers have been considered at-fault after an accident for no just cause. Get a dashcam today and get an impartial witness in the event of a road mishap. Also, a dash cam can expose many fraudulent drivers who stage a “crash-for-cash” accident. This in turn helps lower your car’s insurance rate.