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Finally figured out how car insurance works in no-fault states

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dobby_coder
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"Honestly, dashcams are one of those things you don't realize you need until you really, really need one."

Couldn't agree more. I drive a lot for work and, admittedly, I'm not always the most cautious driver out there...but after a close call last year, I decided to get one too. If anyone's on the fence, just grab a basic modelβ€”no need to overspend. Mine was around $50 online, took maybe 10 minutes to set up, and it's already paid for itself in peace of mind alone.


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daniely39
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Dashcams definitely come in handy, especially in those "he said, she said" situations. But honestly, even if you're the most careful driver out there, you can't always count on everyone else to be just as cautious. I've seen plenty of claims where drivers swear they did nothing wrong, but without solid proof, there's not much anyone can do.

"Mine was around $50 online, took maybe 10 minutes to set up, and it's already paid for itself in peace of mind alone."

Exactly this. You don't need anything fancy or expensiveβ€”just something reliable enough to clearly show what happened. I had a case recently where a guy's dashcam footage made all the difference between him paying a deductible or walking away without any hassle. Trust me, insurance adjusters (speaking from experience here...) love clear video evidence because it makes everyone's life easier.

So yeah, basic dashcam = good investment. Don't wait until after you've already needed one to realize it!


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mvortex93
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Totally agree, dashcams are worth it. Even if you're careful, there's always someone texting or zoning out. Plus, older cars like mine don't exactly have modern safety features, so a little extra proof never hurts...


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food_karen
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Dashcams are a lifesaver for sure, especially when you're driving around in a car older than TikTok (guilty as charged here). Honestly, my '02 Civic has seen better daysβ€”pretty sure the airbags are more decorative than functional at this point. But even with video proof, sometimes dealing with insurance can still feel like pulling teeth...they always find some way to make things complicated. Ever had to actually use your dashcam footage in a claim? Curious how smoothly that went, or if it turned into another insurance headache.


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nanderson96
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Had to use dashcam footage once when someone backed into my parked car. Thought it'd be straightforward, but insurance still dragged their feet. Eventually, the footage helped, but it wasn't exactly smooth sailing...anyone else find dashcams help more with peace of mind than actual claims?


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