Anyone who has had a claim over the last few years will be fully aware that the average cost of a motor claim now is drastically more than it would have been 10 years ago. This is a result of not only damage caused to vehicles, but also the vast amount of personal injury claims being submitted, the cost of hire vehicles and also huge solicitors costs accumulated whilst Insurers argue liability following an incident.
Unfortunately if there are no witnesses to an accident, it can pretty much be one persons word against the other.
Installing a Dash Cam (of which there are various makes on the market now), at quite a low expense can save you a lot of time, stress and possible increased insurance premiums.
Quite simply the camera will start recording as soon as you start your car engine and it will provide straight to the point proof/evidence in the event of an accident. If the accident is not your fault, upon receiving this as evidence, the third party insurers will normally settle straight away. If it is your fault, this can assist your insurer in evaluating any extent of damage to a third party vehicle and any possible third party injury claim.
By Helen Parsons, Commercial Broking Manager.