With the ever-increasing amount of people on the road these days, more and more accidents occur. If you wind up involved in an accident, having an in-car camera installed will protect you from wrongful blame when you're not at fault. However, that's not the only reason for putting a dashboard camera in your car. There are several other advantages of having mini dash cams installed in our vehicles. Below I have listed a few of those advantages.
Insurance Premiums
Installing a dashboard cam can prevent your insurance premiums from rising. Drivers have started using the video from these cameras as an independent witness to prove who is at fault after accidents. You will now have rock solid evidence of any collision or other incident should you need it. Right now there are no insurance companies that offer discounts on premiums for adults that install dash cams. However, there is one company that discounts premiums for young new drivers that have them. This brings me to the next advantage on our list.
Teen Safe Driver Program
A company known as American Family Insurance has started a Teen Safe Driver Program where they give new teenage drivers a free mini dash cam for one year. Included in the program is driver coaching and education for helping them be better drivers. The camera that the company provides records inside and outside of the vehicle when it detects swerving and sudden speed decreases or increases. The recordings are then sent to the driving coaches through Wi-Fi where they can grade the teen drivers on a weekly report card. Parents can review the report each week by logging in and checking the videos and grades. By participating, teens get a ten percent discount on their premiums. Therefore, not only are these cameras allowing lower premiums for teen drivers but they also help parents keep an eye on their children's driving. All the while, making our teens better drivers and making the roads safer to drive.
Crash for Cash
This is similar to the reasoning behind the insurance premiums. A dash cam protects you against scammers that intentionally have car accidents to extort money from their victims. It has become such an epidemic that it now has its own nickname. This dangerous stunt has become known as, the "crash for cash" scam.
You can find thousands of dashboard cam clips on YouTube. The reason is incidents are commonly caught on tape. They're usually caused by a person doing something that is less than ethical. For example, one of the most popular dash cam videos shows a guy that runs in to the road and starts acting like he was hit by a car. The funny thing about it though, is that the car had already come to a complete stop before the guy ever came in to the road. Who knows what would've happened if there hadn't been video evidence to prove that the guy was faking? Considering the cost at risk of not having one versus the cost of the cam itself, the advantages of having mini dash cams installed are obvious.
