How to Use Dashcam Footage for Faster Insurance Claims?

Dashcam footage can play a crucial role in speeding up the insurance claims process by offering clear, unbiased evidence of an accident. It helps establish liability, supports your version of events, and can safeguard you against fraudulent or exaggerated claims.

In situations where it is one driver’s word against another’s, having video proof can speed up the claim assessment process significantly. So, in this article, we will explore how you can effectively use dashcam footage to support and accelerate your car insurance claims.

Gathering solid proof is the best way to strengthen your claim for an insurance policy. That is why it is always recommended to click photos or get video footage of the accident to show it as a solid proof. 

So, here is how dashcams are useful:

Preventing Frauds-At some point, people find the value of insurance more than the value of their car and stage fake accidents to claim insurance. Moreover, some people throw themselves at running cars on highways looking for money. Dashcam footage can easily expose such fraudulent activity and protect you from false claims.

Protection From Theft and Hooliganism-Many dashcams offer 24/7 surveillance with motion detection. If someone attempts to damage or steal your car, the recorded footage can serve as strong evidence for your insurer and law enforcement.

Speeding Up The Investigation Process-Once you register for a claim, the insurance company investigates the incident and then offers you a claim if you did not break any laws. However, a clear dashcam image can solve the case in minutes.

Real Time Video Proof-Unlike eyewitness accounts, dashcam videos offer factual and consistent proof. Even if the other party involved is influential or has witnesses supporting their version, a video recording can establish the truth more reliably.

Proving Your Innocence in Front of Police-Often, there is a police FIR in case of accidents. In such cases, dashcam footage can help you prove your innocence and avoid legal penalties by showing exactly what happened. 

To get the most out of your dashcam during an insurance claim, follow these key tips: 

Invest in a Quality Dashcam-Dashcams come at different prices and record videos in 480p, 720p, 1080, and go up to 4k. Get the best one you can afford. Make sure your dashcam has a loop recording feature. This makes sure you always have the most recent clips.

Install Your Dashcam in The Right Place-Mount your dashcam on the dashboard or your windscreen tightly. Place it in such a manner that it does not obstruct your vision while driving and records the maximum field of view.

Do Regular Maintenance-Do periodic checks on your dashcam and clean its lenses for clear video recording. A non-functional or dirty dashcam will not capture usable footage when needed most.

Submit Edited Footage to Your Insurer-While making an insurance claim, cut short the video to show only the part where the accident took place. A maximum of 2 to 3 minutes of video is the ideal length. This makes it easier for insurers to evaluate your claim without having to review long recordings.

Get a Backup for Important Clips-Since loop recording overwrites older videos, immediately save any crucial clip after an incident. Use a secondary device or cloud storage to preserve your evidence.

While dashcams are useful, incorrect usage or installation can weaken their effectiveness. So, below are tips on what to avoid:

With the dashcam market projected to grow from $5.40 billion to $8.89 billion by 2030, more car owners are recognising the value of these devices. This is because the use of dashcam footage for insurance claims has proven to be a car owner’s best companion to provide as proof, whether it is for safety purposes or an insurance claim. Moreover, you can also request a reduction in premiums by 15% by showing your safe driving behaviour to your insurer.