In recent years, dash cameras have surged in popularity across Australia. With almost every other news report showcasing shocking dash cam footage from around the globe, it’s clear that this technology is becoming a staple for many drivers. Data from Allianz indicates that in 2019, one in five drivers used dash cams. Additionally, Australians are the fourth highest users of the dash cam forum, Dash Cam Talk, reflecting the growing interest and adoption of this technology. But why are Australians so enamored with dash cams? One of the primary reasons is the substantial benefits dash cams provide for insurance claims.
What is a Dash Cam?
A dash cam, or dashboard camera, is a small camera mounted on your vehicle’s dashboard, usually with Velcro, suction pads, or it can be hardwired in. It records footage through the front windscreen, capturing everything that happens on the road ahead.
The Benefits of Using a Dash Cam
Australian dash cam owners have found many benefits to using this technology. These benefits include:
- Documenting Scenic Drives or Road Trips: Many drivers use dash cams to capture beautiful and memorable journeys.
- Monitoring Parked Vehicles: Dash cams can record the surrounding areas of your parked vehicle, helping to deter and document potential vandalism or theft.
- Monitoring Young Drivers: Parents can keep an eye on their young drivers’ habits and behaviors.
- Capturing Firsthand Evidence: Dash cams provide firsthand evidence of incidents that happen around and to your car.
However, one of the most significant benefits of dash cams is their ability to record potential motor vehicle accidents, providing invaluable evidence for insurance claims.
Peace of Mind and Accountability
Many motorists purchase and install dash cams in their cars for peace of mind. Knowing that the footage could be useful in holding others accountable in the event of an accident is a major incentive. According to the owner of Dash Cam Owners Australia, the main reason Australians purchase dash cams is to prove fault in the event of an accident. With police no longer attending minor collisions, it is generally up to the involved parties to present their case to their insurance companies. A dash cam removes the he-said, she-said element of an insurance claim, providing an invaluable record of the events that transpired.
Can Dash Cam Footage Be Used in Insurance Claims?
Yes, dash cams and car insurance are a match made in heaven. Insurance companies accept photo and video evidence recorded during the accident and its aftermath. However, it’s important to note that this footage will only be part of their investigation. Dash cam footage typically shows only one perspective and may not capture the entire sequence of events leading up to the accident. Additionally, the quality of the camera matters, as grainy or low-resolution footage can affect how the footage is interpreted by insurance companies.
Can a Dash Cam Reduce Insurance Premiums?
In the UK, some insurance companies offer discounts to customers with installed dash cams. Unfortunately, Australian insurers do not offer such discounts, as having a dash cam doesn’t reduce the likelihood of an accident. However, the value of dash cams in providing evidence during accidents is undeniable.
Submitting Dash Cam Footage to Insurance Companies
Submitting dash cam footage to your insurance carrier is generally straightforward, though each insurer may have its own process. Typically, you will be asked to upload the footage privately to YouTube or another video-sharing platform and then provide the link to your insurer, usually via email. Make sure to include your claim number and any other relevant details.
Other Considerations
When using dash cams, there are a few other things to keep in mind:
- Laws on Recording Audio: Some states and territories in Australia have laws against recording audio. Be sure to check the local laws before installing your dash cam, or opt for a video-only model.
- Positioning: Place the dash cam in a spot where it does not obstruct your view through the windscreen.
- Stay Vigilant: While a dash cam can provide valuable evidence, it should not be considered a substitute for safe driving practices. Always stay vigilant and cautious on the road.
Conclusion
At Origo Connect, we supply and install GPS and dash cam systems across Australia, helping drivers enhance their safety and security. Dash cams are becoming an essential tool for many Australians, not just for documenting road trips and scenic drives, but more importantly, for providing invaluable evidence in the event of an accident. This technology offers peace of mind and accountability, crucial elements in today’s driving environment.
As the adoption of dash cams continues to grow, so does their impact on insurance claims. Although Australian insurers do not currently offer premium discounts for having dash cams, the ability to provide clear evidence during an accident investigation is a significant benefit. Whether you’re looking to monitor your vehicle while it’s parked, keep an eye on young drivers, or ensure you have reliable evidence in case of an accident, a dash cam is a valuable investment.
Ready to enhance your driving experience with a dash cam? Visit Origo Connect to explore our range of high-quality dash cams and GPS systems. Drive with confidence, knowing you have the technology to support you on the road.