{"id":12054,"date":"2025-07-08T09:12:00","date_gmt":"2025-07-08T09:12:00","guid":{"rendered":"https:\/\/www.freeway.com\/knowledge-center\/?p=12054"},"modified":"2025-07-08T21:13:01","modified_gmt":"2025-07-08T21:13:01","slug":"dashcams-insurance-claim-help","status":"publish","type":"post","link":"https:\/\/www.freeway.com\/knowledge-center\/auto\/dashcams-insurance-claim-help\/","title":{"rendered":"Can Dashcams Help You During an Insurance Claim?\u00a0"},"content":{"rendered":"\n

Installing a camera on your dashboard can be a great way to get peace of mind while you\u2019re on the road, but do dashcams help insurance claims? Modern dashcams are more than just cool pieces of tech; they could potentially make or break your next car insurance<\/a> claim. <\/p>\n\n\n\n

Dashboard cameras have become increasingly popular in recent years, and it\u2019s clear to see why. Having a dash camera allows you to record your surroundings before, during, and after an accident, ultimately giving you a whole bunch of evidence if you ever get hit. Here\u2019s a breakdown of the dashcam craze, including how they work when it comes to insurance and how to use them effectively. <\/p>\n\n\n\n

How Dashcams Work and Why Drivers Use Them<\/strong> <\/h2>\n\n\n\n

Dashcams work by recording your surroundings from your car\u2019s dashboard. Typically, they aim outwards, but some cameras also record the interior of the vehicle. Some people also set up cameras in different spots to capture other angles on the road, such as behind the car. <\/p>\n\n\n\n

Some versions record continuously, while others turn on when they detect motion or another trigger. Regardless, people typically use them to gather additional evidence for their insurers or the police in the event of vandalism, theft, or a collision with another vehicle. <\/p>\n\n\n\n

Can Dashcam Footage Help with Insurance Claims?<\/strong>\u00a0<\/h2>\n\n\n\n

Do dashcams help insurance claims? The footage from your car\u2019s camera can absolutely help out with your insurance claim, as long as it helps prove that you aren\u2019t at fault. Sometimes, insurance adjusters or law enforcement may not be able to determine who caused an accident by simply looking at the aftermath, even if it\u2019s a common car accident<\/a> situation. In that case, video evidence is helpful. <\/p>\n\n\n\n

Proving Fault in an Accident<\/strong> <\/h3>\n\n\n\n

The main role of dashcams is to determine who was at fault in an accident. If there\u2019s a dispute, you can use your recording to back up your version of events. However, it\u2019s important to be absolutely certain that your video helps prove the other party is at fault. Sometimes, a driver may not realize that the footage actually places them at fault. Be sure to carefully review each clip before sending it to your insurer, just in case you may not want to file a claim<\/a>. <\/p>\n\n\n\n

Supporting Claims Against Fraud or False Accusations<\/strong> <\/h3>\n\n\n\n

In some cases, bad actors will attempt to rope you into insurance fraud on the road. They could falsely accuse you of violating traffic laws or even back into your car and claim you rear-ended them. In that case, dashcam footage is invaluable in proving your innocence and catching the fraudster.\u00a0<\/p>\n\n\n

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What Insurance Companies Think About Dashcams<\/strong> <\/h2>\n\n\n\n

Many insurers are now familiar with dashboard cameras and regularly use their footage to resolve claims. So what does that mean for you as a driver, and how do dashcams impact insurance rates? <\/p>\n\n\n\n

Will a Dashcam Lower Your Premium?<\/strong> <\/h3>\n\n\n\n

In most cases, insurers won\u2019t provide you with a discount simply for having a video recording device on your dash. However, driving with a camera can help you prove that you weren\u2019t at fault in a collision. This will help you avoid having at-fault accidents on your record, which can ultimately keep costs lower. <\/p>\n\n\n\n

States Where Dashcam Footage Is More Likely to Be Used in Claims<\/strong>\u00a0<\/h3>\n\n\n\n

Dashcam recordings can be used in all 50 states. However, some states only allow video recording and not audio recording due to two-party consent laws. It\u2019s important to check what kind of recording is permitted in your area before you install your camera and make your dashcam insurance claim. You should also make sure that it\u2019s placed correctly, as some states have regulations around where you can put a dashcam.\u00a0Here are some examples of states where dashcam footage is likely to be used in claims and rules surrounding those cams:<\/p>\n\n\n\n