Had a dashcam save me big-time last year. Rear-ended someone at a stoplight—looked totally my fault—but footage showed they reversed into me slightly. Didn't erase my high-risk status, but definitely softened the blow on premiums...worth it imo.
Glad you had that footage to back you up, sounds like a stressful situation to deal with. I'm actually shopping around for my first insurance policy right now and wasn't really thinking about a dashcam...but your story makes me reconsider. Even if it didn't completely fix your status, seems like it was still worth having. Good to know these little gadgets can make a difference, especially when you're new to all this insurance stuff like me.
- Dashcams are definitely worth considering, even if insurance doesn't directly reward you for them.
- Had mine save me once when someone backed into me at a parking lot—without footage, would've been my word against theirs.
- Good call reconsidering...better safe than sorry.
Dashcams are like umbrellas—you never think you'll need one until you're caught in a downpour. I'm about to buy my first insurance policy, and honestly, the thought of someone backing into me and playing innocent gives me anxiety. Knowing my luck, I'd probably end up arguing with someone who swears their parked car magically rolled uphill into mine. Definitely leaning toward getting one now... peace of mind seems worth the extra bucks.
Dashcams are definitely worth considering, especially if you're budget-conscious. I've been driving for years and here's my take:
- Had a minor fender-bender once where the other driver tried to pin it on me. Luckily, a witness stepped in, but a dashcam would've saved me a lot of stress.
- You don't need anything fancy—basic models under $100 do the job just fine. Mine's been running smoothly for 3+ years now.
- Check if your insurance offers discounts for having one installed. Some companies do, and it might offset the initial cost.
- Also, make sure you understand Arkansas' rules about dashcam placement. Some states are picky about windshield obstructions.
Curious if anyone here has actually gotten an insurance discount for using a dashcam... seems like something insurers would encourage, right?
