Yeah, I think you're right about insurers leaning heavily on algorithms—it's cheaper and quicker for them. But honestly, dashcam footage can be a lifesaver if you're disputing something serious. A friend of mine got flagged for "reckless braking," submitted his dashcam clip showing a deer jumping out, and they actually reversed it. So it's not totally hopeless...just depends on the insurer and the situation, I guess.
"dashcam footage can be a lifesaver if you're disputing something serious."
True, dashcams definitely help—I had a similar run-in when an insurer tried to label me "high-risk" after a minor fender-bender. My footage clearly showed the other driver cutting me off abruptly. Saved me from a nasty premium hike...worth every penny.
Dashcams seem pretty useful, but I'm wondering—does footage alone always convince insurers to reverse their decisions? I've heard some companies can still be stubborn even with clear evidence. My friend had a similar issue where the insurer dragged their feet despite video proof. Makes me curious...is it usually straightforward like your experience, or do others find insurers pushing back regardless?
Dashcams definitely help, but they're no silver bullet when dealing with insurance companies. Last year, someone sideswiped me at an intersection, and I thought my dashcam footage was crystal clear. Even the police officer on scene said it was obvious who was at fault. But when it came to the insurance claim, it wasn't straightforward at all...the other driver's insurer kept dragging things out, saying they needed "further investigation," even though the video clearly showed their driver running a red.
Eventually, after weeks of back-and-forth (and a few polite but firm emails from me), they gave in and covered everything. From that experience, I'd say insurers often count on people giving up or getting frustrated enough to settle for less. Dashcams are great evidence, sure, but be prepared to advocate for yourself and push back if needed. It's frustrating, but sometimes that's just how insurance companies operate.
Had a similar experience myself, and it really makes me wonder if dashcams are worth the hype. A couple years back, someone backed into my parked car outside a grocery store. My dashcam caught the whole thing—license plate, driver's face, everything. Thought it'd be an open-and-shut case, right? Nope...the insurance company still dragged their feet, asking for extra statements and even questioning if my car was parked legally (it was).
Makes me skeptical about how much insurers actually value dashcam footage. Do they just hope we'll get tired of fighting and settle for less? Or is it more about bureaucracy and red tape slowing things down?
Either way, I agree they're helpful evidence, but definitely not foolproof. Curious if anyone's found certain insurers easier to deal with when you have dashcam footage...or is it pretty much the same hassle everywhere?
