A
dash cam, it's a small camera, installed in your car, which films your journeys. At the push of a button, it records what it has just filmed. The duration of what is recorded depends on the model and settings of the webcam. \n\nGenerally, they are located at the level of the vehicle's interior rearview mirror, so as not to obstruct the driver's vision and to maximize the camera's field of vision. \n
Why are insurance companies interested in dashcams?
\nIt’s a legitimate question: after all, why might your insurer be interested in you filming your car journeys? Well quite simply because video content can be used as evidence to define the
driver responsibilities in the event of an accident. Indeed, when there is an accident, the insurers of both parties must define who is responsible, in order to know which insurer must pay. \n\nWhen the case is complex and not obvious, it is common to call on experts. This is a long and costly process for the insurer. And unfortunately, it may happen that the expert does not have the necessary elements to correctly analyze the incident and draws a conclusion against you from his analysis. \n\nThis is why the
dash cams are useful: product registration can help you to reestablish the truth, speed up the investigation and compensation process and can lead certain insurers to grant you a premium on the amount of your insurance contract or to review the
car insurance pricing of your contract. \n\n
\r\n
A practice that is on the rise!
\nTHE
dash cams are becoming more widespread, particularly in countries where insurance fraud is common. For example, in Russia, a large majority of vehicles are equipped with
dash cams. This is one of the reasons that explains the abundance of video content of road accidents from Russia on the internet. \n\nIn the same register, the automobile manufacturer
Tesla, of which
Elon Musk is the majority shareholder;
equips its cars with cameras. They film the road from all angles, in front, behind, around. The main use of these cameras is to collect the data necessary for the car's autopilot. \n\nBut they are used very regularly in cases of accidents. Indeed, the 8 cameras provide an excellent view of the progress of an accident and very often make it possible to determine responsibility for an incident. \n\nRead also:
Automotive: everything you need to know about the silent block\r\n
Example of car dashcam application
\r\n\r\n
The limits of dashcams
\nNowadays, it is becoming easier and easier to edit video content in a realistic way. It's not within everyone's reach, but it is possible. Some insurers use this pretext to declare that the content produced by a
dash cam is not acceptable as evidence. \n\nHowever, the investment to install a
dash cam is a maximum of around a hundred euros. The investment can quickly become profitable, and give you peace of mind when you are behind the wheel. Indeed, knowing that you are being filmed very often encourages you to behave more responsibly and safely. This is also what encourages your insurer to sometimes grant you a premium on your contract. \n\nRead also:
When to repair or replace the windshield?\n
