Amateur footage has been used as supporting evidence in motoring claims courts for a while now, but it has not been considered strong enough to stand on its own. However, new legislation will mean that ‘dash-cam’ footage will be considered sufficient evidence if it is appropriately useful.
Many motorists use these dash-cams to ensure that they have a record of themselves behaving and driving in a responsible fashion should they need to prove this.
One of the difficulties in motor claims is that it is not always clear who is at fault. Both parties will often claim innocence, and when only verbal testimony is present, claims can be incredibly difficult to prove.
However, if motorists are hopeful that this extra layer of video protection will affect the prices insurers are going to charge, then they may be disappointed. A large number of insurers have said that they will accept dash-cam evidence to help prove motoring claims, but will not reward those using them with lower premiums.
Other technological instalments have affected the insurance industry in the past. Many companies will offer reductions in premiums, if drivers install ‘black boxes’ in their cars. These boxes record changes of direction and speed in order to ascertain how a customer was driving at the time of a collision or accident.
These boxes also give drivers pause for thought when speeding or driving erratically, as every move is recorded and could be demanded by insurance companies in a claim situation. If both drivers in a situation have black boxes installed, then it may be quite easy to decide if one part was speeding or whether any erratic changes of direction were made at the point of the incident.
The dash-cam evidence and black box read outs will still be put alongside testimonial and witness statements when deciding a claim.
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