Yikes, that's exactly why I've been hesitant about dashcams. I mean, they're great for proving you're not at fault, but they also capture every little mistake you make... and insurance companies don't miss a thing. Just bought my first policy recently and honestly, I'm still figuring out all the fine print. Seems like Illinois can be pretty strict with shared fault rules too, so even minor speeding could cost you. Guess I'll stick to grandma-driving for now, lol.
Dashcams aren't always a double-edged sword, honestly. Sure, insurance companies can technically access footage if it becomes evidence, but most of the time they're not digging through your dashcam videos looking for minor slip-ups like slight speeding. Illinois does have modified comparative negligence rules, meaning if you're found partially at fault (even slightly), it can affect your claim payout. But minor speeding usually isn't enough to significantly tip fault percentages—it's more about clear violations or reckless behavior. Grandma-driving isn't a bad idea though, safer and cheaper overall...
Good points here, especially about minor speeding. I've had a dashcam for years now, and honestly, it's been more reassuring than anything else. Had a close call once where someone ran a red light and nearly clipped me—thankfully, the footage clearly showed I wasn't at fault. Sure, there's always that slight worry about insurance nitpicking, but overall, the peace of mind outweighs it. And yeah, driving cautiously never hurts... better safe than sorry.
Totally agree about the dashcam—mine saved me once when someone merged into my lane without signaling. Insurance initially tried to split blame, but the footage cleared things up fast. Honestly, Illinois insurance rules can feel pretty vague sometimes... better safe than sorry indeed.
"Insurance initially tried to split blame, but the footage cleared things up fast."
Had a similar situation last year—someone backed into me in a parking lot and tried claiming I rear-ended them. Dashcam footage sorted it out quickly, but it left me wondering: why does Illinois insurance always seem so murky about fault determination? Is it just me, or do the rules feel intentionally vague sometimes... maybe to keep us guessing and paying more? Glad I invested in that camera though, definitely worth every penny.
