Bottom line: while insurers might prefer clearer footage, I doubt there's some strict official guideline they're following. It's probably more about having something usable rather than perfect.
Interesting point about insurers being flexible with dashcam footage—I hadn't thought of that. But now I'm curious, does anyone know if insurers typically weigh dashcam footage differently in no-fault states compared to at-fault states?
Interesting point about insurers being flexible with dashcam footage—I hadn't thought of that. But now I'm curious, does anyone know if insurers typically weigh dashcam footage differently in n...
That's an interesting angle—I live in a no-fault state, and when I had a minor fender-bender last year, my insurer barely glanced at my dashcam footage. Makes me wonder if it's more about state laws or just individual company policies... anyone had a different experience?
I recently bought my first insurance policy and honestly, the dashcam thing has me a bit confused too. From what I've read, it seems like insurers might just use footage as extra context rather than solid proof, especially in no-fault states. Could be more about internal policies than state laws, but who knows... Either way, it's reassuring to hear your experience—makes me feel a bit better about having invested in a dashcam.
"From what I've read, it seems like insurers might just use footage as extra context rather than solid proof, especially in no-fault states."
That's been my understanding as well. When I first got my dashcam installed, I was skeptical about its practical value beyond peace of mind. However, a friend of mine had an incident recently where the footage clarified some ambiguous details—even though we're in a no-fault state. So while it might not always be decisive evidence, having that extra layer of context can certainly ease the claims process somewhat.
Dashcams are funny like that...you think they're just there to catch some crazy meteor or a deer doing parkour across the highway, but then something actually happens and you're like, "Wait, this thing is useful?" Even in no-fault states, insurers appreciate having footage—it helps clear up those weird gray areas where everyone's memory conveniently gets fuzzy. It might not dramatically change your claim outcome, but it definitely cuts down on the he-said-she-said headaches.
