Dashcams are definitely worth it, especially in no-fault states where things can get messy fast. Had a close call myself once, and the footage cleared things up right away... plus, peace of mind counts for a lot. Didn't know about the discount though, I'll check into that.
"Had a close call myself once, and the footage cleared things up right away..."
Exactly why I got mine. Haven't needed it yet (knock on wood...), but as a student driver, I figure better safe than sorry. Didn't realize insurance discounts were a thing either—good to know!
Exactly why I got mine. Haven't needed it yet (knock on wood...), but as a student driver, I figure better safe than sorry.
Dashcams are definitely underrated, especially in no-fault states. I've handled plenty of claims where footage made the difference between a quick resolution and weeks of back-and-forth headaches. You're smart to get one early—especially as a student driver. And yeah, insurance discounts vary by company, but they're becoming more common. Just make sure you check with your insurer directly; sometimes you have to meet specific criteria or use certain dashcam models to qualify. Glad you're thinking ahead!
Dashcams have saved me a couple times on road trips—once when someone merged without signaling and tried blaming me. Insurance sorted it out super quick thanks to the footage. Curious, does anyone know if insurers prefer front-only cams or dual setups?
"Dashcams have saved me a couple times on road trips—once when someone merged without signaling and tried blaming me. Insurance sorted it out super quick thanks to the footage."
Totally agree with you there, dashcams are like the unsung heroes of road trips. Mine once caught a deer casually strolling onto the highway at dusk—talk about an adrenaline spike! Thankfully, I braked in time, but the footage was priceless (and mildly hilarious afterward).
As for your question about insurers preferring front-only or dual setups... from what I've gathered, insurance companies don't explicitly say they prefer one over the other. But logically speaking, dual setups do offer more comprehensive evidence. Think about it step-by-step:
1. Front-only cams are great for capturing incidents ahead of you—like sudden braking or lane changes.
2. Rear cams can be lifesavers if someone rear-ends you or claims you reversed into them (trust me, people try all sorts of stories).
3. Having both angles covered means fewer loopholes for someone to twist the story around.
I've heard from friends who've had claims processed smoothly because their dual cam setup captured everything clearly from multiple angles. On the flip side, front-only cams are usually cheaper and easier to install if you're not tech-savvy (raises hand sheepishly...). So it depends on your budget and how paranoid—I mean cautious—you feel about other drivers.
Personally, after my deer encounter and seeing some sketchy moves on highways lately, I'm leaning towards upgrading to dual cams soon. Better safe than sorry... or worse, stuck arguing with insurance reps without solid proof.
Either way, any dashcam is better than none at all—especially in no-fault states where things can get messy real quick.
