Why having a dash cam is a game-changer for insurance claims

Imagine this: you're on your daily commute when suddenly another driver runs a red light, causing a collision. Thankfully, you're unharmed, but now you're faced with the challenge of proving your side of the story for the insurance claim. Having a dash cam can make all the difference.

In this article, we'll explore the advantages of using a dash cam, how it simplifies the insurance claims process, and whether it's a worthwhile investment.

What is a dash cam?

A dash cam is a small, mounted recording device that captures real-time video while you drive. From basic models that record the road ahead to advanced options with dual-lens setups, GPS tracking, and night vision, there’s a dash cam for every budget and need.

Some models offer 360-degree coverage and motion detection, ensuring comprehensive protection, whether driving or parked.

The advantages of using a dash cam

1. Clear evidence of accidents

A dash cam acts as an impartial eyewitness, recording:

• Traffic conditions before and during the accident.
• Your compliance with traffic laws.
• Key details that help insurance adjusters quickly determine fault.

You may have to rely on conflicting witness accounts without a dash cam, which can delay your claim. Video footage simplifies the process, ensuring your story has solid proof.

2. Protection against fraud

Insurance fraud—such as staged accidents—is a growing problem. Dash cams protect you by:

• Capturing suspicious driving behaviours.
• Providing indisputable proof to counter false claims and strengthen your case.

3. Faster collaboration with insurance providers

When you submit dash cam footage with your claim, it can:

• Reduce investigation time.
• Provide a clear sequence of events for adjusters.
• Help prove you’re not at fault, keeping your premiums low.

Pro Tip: Some insurance companies even offer discounts for dash cam users. Check with your broker to see if you’re eligible.

4. Deterrence against break-ins, theft and vandalism

Dash cams equipped with parking mode can record your vehicle’s surroundings even when parked. Their presence alone may deter criminals. If a theft, break-in, or act of vandalism occurs, the footage:

• Provides valuable evidence for police reports.
• Supports your insurance claim.
• Helps identify the criminal(s) responsible.

5. Encourages safer driving habits

Knowing your actions are being recorded can make you a more cautious driver. Many advanced dash cams offer:

• Real-time collision alerts.
• GPS tracking to monitor speed and routes.

Improved driving habits protect everyone on the road and help you avoid insurance claims, keeping your premiums low.

6. Dispute traffic tickets

Incorrectly issued tickets can be costly and stressful. Dash cams provide the evidence you need to:

• Contest tickets.
• Avoid fines.
• Maintain a clean driving record, avoiding an increase in your premium.

Are dash cams worth it?

Dash cams are particularly useful if you:

• Drive in busy cities where accidents are more likely.
• Take frequent or long-distance road trips.
• Operate commercial vehicles that require accountability.
• Travel through areas with higher crime rates.

While the upfront cost of a dash cam ranges from $50 to $500 depending on its features, the peace of mind and protection they offer often far outweigh the initial investment. Dash cams save time, stress, and money during insurance claims, making them an essential tool for modern drivers.

Stay protected on the road with Orbit Insurance

A dash cam is a valuable tool for protecting yourself and your vehicle—but the right insurance coverage is just as important. Orbit Insurance can help you find tailored policies that maximize your safety on the road.

• Not an Orbit customer yet? Request a free personalized quote today.
• Already with Orbit? Contact an Orbit insurance broker to learn how dash cams can benefit your policy or answer any coverage-related questions.

Take the next step toward complete peace of mind—on and off the road.