Dash Cam Benefits and Drawbacks for Car Owners

Posted on: Nov 7, 2024 | 3 mins | Written by: HDFC ERGO Team

Dash Cam Benefits and Drawbacks for Car Owners

Dash cams are becoming increasingly popular among car owners, not just as gadgets but as useful companions on the road. From recording everyday drives to providing evidence during accidents, these small cameras offer practical support in many situations. The real value lies in the benefits of a dash cam, which include helping with insurance claims, avoiding disputes, and even capturing unexpected moments while travelling.

In this blog, we will explain what a dash cam is, outline its advantages and drawbacks, and show why more drivers are choosing to rely on them.

What is a Dash Cam?

A dash cam is a compact device in your car that films the journey in front of you. It powers on with the engine’s ignition and saves video to a memory card in short clips. When it detects a sudden jolt, a built-in sensor can lock that clip so it is not overwritten. You can also save a clip with a manual button.

There are front-only units and dual setups that record the rear view as well. Common features of a dash cam include a wide-angle lens, date and time stamps, GPS for speed and location, and a microphone you can switch off. Many models offer parking mode, which records if there is motion or an impact when the car is parked. The aim is simple: create a clear record of events on the road and around the vehicle.

Dash Cam Benefits

The advantages of installing a dash cam in your vehicle are as follows:

1. Accurate Incident Recording

Perhaps the greatest strength of any dash cam is that it can capture video of any accident while driving on the road. In case of a mishap, the footage can help you when compiling a report to submit to your car insurance company. This can support your case.

2. Protection from False Claims

Dash cams are useful to protect you from false claims or fake accidents. It eliminates any possibility of someone accusing you of wrongdoing, which is especially important in the case of third-party accidents where third party car insurance may apply.

3. Monitoring Driver Behaviour

If you are a fleet owner who wants to keep an eye on your vehicles or a parent with a teenager learning how to drive, then a dash cam is a perfect asset in monitoring and correcting improper driving behaviour. This may help reduce cases of recklessness when on the road and, in turn, promote better driving.

4. Capturing Unusual Events

With a dash cam, you do not miss any scene, be it road aggression or taking a drive to scenic views. It is also helpful in reporting cases that would involve theft, vandalism, or hit-and-run while your vehicle is parked.

What Are the Disadvantages of a Dash Cam?

Dash cams offer many useful features, but they also come with a few downsides that are worth thinking about before you decide to get one.

• High Initial Expense:

A reliable dash cam can cost a fair bit, and getting it fitted by a professional adds to the price.

• Upkeep and Storage Needs:

Since it runs all the time, the memory card has to be checked often and cleared or replaced when it fills up.

• Privacy Concerns:

The device captures everything on the road and, in some cases, even conversations inside the car.

• Risk in Legal Situations:

Dash cam footage may sometimes prove costly to the car owner itself, as it can be used against the driver if it shows evidence of a mistake or violation.

Conclusion

The benefits of having a dash cam on your car are many. It can prove greatly valuable in backing your third-party car insurance claims and averting any controversy. While the advantages are many, you should also consider the downsides of installing a dash cam and make the right decision.

While this device can protect you in case of an accident to prove your innocence, it cannot shield you from the financial impact of damages or injuries. That’s where vehicle insurance becomes essential. A comprehensive policy not only covers third-party liabilities but also safeguards your vehicle against theft and damage due to accidents. It is now easy to obtain car insurance online, so ensure to get a plan that is ideal for your needs.

FAQs

1. Is it legal to have a dash cam in India?

Yes, a dash cam is legal in India so long as it is installed in a way that doesn’t hinder your vision or cause any distractions when driving.

2. Does installing a dash cam offer premium discounts?

Some insurers may offer discounts on the premium for having a dash cam, as it is considered a device that helps with safe driving.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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