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

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Posts: 5
(@volunteer92)
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I've never personally had footage overwritten, but a client of mine did once—he got rear-ended, and by the time he remembered to check, the loop had already erased it. He upgraded to 128GB after that...lesson learned the hard way, I guess.

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(@sophieharris72)
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Had a similar close call myself. Got sideswiped in a parking lot, nothing major but enough to leave a noticeable scratch. Didn't think much of it until later that evening when I remembered the dashcam footage. By then, the loop had already overwritten it—typical. Upgraded my storage immediately afterward. It's one of those things you don't really think about until you actually need it...better safe than sorry, I suppose.

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jcampbell28
Posts: 4
(@jcampbell28)
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Dashcams are great, but do you think storage upgrades are always the best solution? I've had a couple of close calls myself, and honestly, I found that tweaking the loop settings to shorter intervals worked better for me. It forces me to check footage sooner rather than later, so I don't end up forgetting until it's overwritten. Plus, even with expanded storage, there's always that risk of something important getting buried if you're not regularly checking, right?

Also, just curious—did your insurance even ask for footage for something minor like a scratch? I had a similar parking lot scrape once, and my insurance basically shrugged it off since it wasn't major damage. Makes me wonder if dashcam footage is really as crucial for minor incidents as we sometimes think...

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(@drakeb86)
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I get what you're saying about dashcam footage for minor stuff. A while back, someone dinged my bumper in a grocery store lot—nothing major, just annoying. I offered the footage to my insurance, and they basically said, "Thanks, but we're good." Honestly, dashcams seem more useful for bigger incidents or disputes where fault is unclear. Tweaking loop settings sounds smart though...might try that myself since I'm terrible at remembering to check footage regularly.

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mochastreamer
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(@mochastreamer)
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Had a similar experience myself. A couple years ago, someone backed into my parked car at a coffee shop—nothing major, just a cracked taillight and some scratches. I figured the dashcam footage would help, but insurance barely glanced at it. They basically said since it was minor and no injuries, it wasn't worth their time to pursue. Kind of frustrating, but I get it.

Still, I'm glad I had the footage. Even if insurance didn't care, it gave me peace of mind knowing exactly what happened. Plus, I've heard stories where dashcams saved people from serious headaches in bigger accidents or disputes over fault. Tweaking the loop settings is definitely a good idea—I set mine to overwrite every few days, otherwise I'd never remember to clear it out.

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