"clear shots and a consistent story usually do the trick... wouldn't stress too much about it."
Yeah, that's generally true, but I'm curious—does the quality of your photos ever affect how quickly the claim gets processed? I just bought my first policy recently, and while researching, I saw some people mention delays because their pics weren't clear enough or didn't show all angles. Maybe it's just me being overly cautious, but I'd rather not risk any unnecessary hold-ups.
Also, since we're talking no-fault states, does anyone know if photo evidence matters less in these situations? From what I understand, your own insurance covers you regardless of who's at fault, so maybe adjusters aren't as picky about details. Still figuring this stuff out myself...
"Maybe it's just me being overly cautious, but I'd rather not risk any unnecessary hold-ups."
I totally get where you're coming from. When I had my first minor accident a couple of years back, I was pretty meticulous about taking photos—probably more than necessary, honestly. But it turned out to be helpful because the adjuster specifically asked for clearer shots of certain angles. It didn't delay things too much, but it did add an extra day or two to the whole process. So yeah, clear photos can definitely streamline things, even if they're not strictly required.
As for your question about no-fault states, that's an interesting point. From what I've experienced (living in a no-fault state myself), adjusters still care about photo evidence, but maybe not as obsessively as in fault-based states. They're mostly looking to confirm the damage matches your description and isn't exaggerated or unrelated to the incident. Even though your own insurance covers you regardless of fault, they still want to verify that the claim is legitimate and accurately documented.
One thing I'm curious about though—does anyone know if having dashcam footage makes a noticeable difference in processing speed or claim approval? I've been considering getting one for peace of mind, especially since I commute daily and see some pretty questionable driving out there... Would love to hear if anyone's had firsthand experience with dashcams affecting their claims process.
Dashcams are definitely worth it, especially if you're a bit accident-prone like me (no shame admitting it, haha). I've had a dashcam for about two years now, and here's what I've noticed:
- Adjusters seem to appreciate the footage because it clears up any confusion about what exactly happened. Less back-and-forth means fewer delays.
- It hasn't drastically sped up my claims, but it definitely made the process smoother. No more awkward phone calls trying to explain how the other driver "came out of nowhere."
- One time, the footage actually helped me avoid partial blame when someone tried to claim I was speeding (I wasn't...for once).
"Even though your own insurance covers you regardless of fault, they still want to verify that the claim is legitimate and accurately documented."
Exactly this. Even in no-fault states, insurers still want solid proof. Dashcam footage just makes their job easier, and honestly, it gives me peace of mind knowing I have clear evidence if things go sideways.
I've been debating getting a dashcam for months now, but your post might've just convinced me. I'm usually pretty careful (knock on wood), but last year someone backed into me in a parking lot and tried to claim I rear-ended them. Took forever to sort out, and my rates almost went up. If I'd had footage, probably would've saved me a headache and some cash...guess it's time to start shopping around for a budget-friendly model.
"I'm usually pretty careful (knock on wood), but last year someone backed into me in a parking lot and tried to claim I rear-ended them."
Ugh, that's exactly why I finally caved and got one myself. Had a similar thing happen a couple years back—someone sideswiped me on the highway, then tried to say I drifted into their lane. It was my word against theirs, and even though insurance eventually sided with me, it was weeks of stress and phone calls I'd rather forget.
Honestly, dashcams are one of those things you don't realize you need until you really, really need one. I picked up a budget-friendly model online (think it was around $60?), nothing fancy but it does the job. Video quality's decent enough to clearly see license plates and details, even at night. Plus, installation was way easier than I expected—just plugged it into the cigarette lighter port and tucked the cable behind the trim.
And it's not just about accidents either. I've caught some pretty hilarious stuff on road trips—random wildlife encounters, funny signs, even a guy dancing at a red light once (wish I'd saved that clip!). It's like having your own personal blooper reel from the road.
Anyway, glad you're considering it now. Even if you're careful (and sounds like you are), there's always someone else out there who's...well...not so careful. Better safe than sorry, right?
