Dashcams can help, sure, but honestly they're not always your friend. I had footage of a minor fender-bender where the other guy clearly cut me off, but my insurer still labeled me high-risk because they said I "could've reacted sooner." GPS data and notes sound great on paper, but insurers will always find ways to push their own narrative. Sometimes it's less about evidence and more about perception... or profits.
Yeah, I totally get what you're saying. A few years back, my wife had a similar situation—someone swerved into her lane, clipped the front bumper, and our dashcam caught it all clearly. We thought we were golden. But the insurer still argued she "didn't maintain enough distance," which was ridiculous considering the guy literally swerved in outta nowhere. It's frustrating because you'd think clear footage would be enough, but insurers always seem to find loopholes or grey areas to hike your premiums anyway...
Honestly, insurers aren't always out to get you. Yeah, your dashcam footage sounds clear-cut, but from their perspective, they're looking at patterns and probabilities. As a student driver, I've learned that even if someone else messes up, defensive driving means anticipating those moves. It sucks, but maybe they're not totally wrong about the distance thing—sometimes leaving extra room can save you from someone else's stupidity... even if it feels unfair.
"sometimes leaving extra room can save you from someone else's stupidity... even if it feels unfair."
Yeah, totally agree with this. Insurance companies aren't trying to punish anyone personally—they're just crunching numbers based on past data. I've seen plenty of cases where a little extra caution made all the difference, even if it felt annoying at the time.
Honestly, the best way to avoid being labeled "risky" is pretty simple—drive like everyone else on the road is half-asleep or texting. Leave extra room, expect sudden lane changes, and don't trust blinkers. Sounds paranoid, but hey...it's saved my bumper more than once.
