"Quick tip: if your dashcam allows it, bump up the resolution and frame rate settings."
Good advice here. From an insurance perspective, clearer footage can indeed streamline claim processing, even in no-fault states. While your insurer won't necessarily assign blame based on dashcam footage alone (since no-fault states typically cover your own damages regardless of who's at fault), having crisp video evidence can still help clarify events and expedite the claims process—especially if there's dispute or confusion involved. Plus, it never hurts to have solid proof when wildlife decides to photobomb your commute...
Wish I'd known this earlier... had a deer jump out last fall, and my old dashcam footage was grainy as heck. Insurance still covered it, but clearer video would've saved me some headaches explaining things. Lesson learned, upgraded the cam since then.
"Insurance still covered it, but clearer video would've saved me some headaches explaining things."
Totally agree—clear footage can really streamline the claims process. Also worth noting: even in no-fault states, solid evidence helps speed things up and can sometimes prevent rate hikes down the road... Glad you upgraded!
"Insurance still covered it, but clearer video would've saved me some headaches explaining things."
Did you have to actually argue your case with the insurance people, or was it more just a hassle of paperwork? I'm new to this whole insurance thing and honestly, it's been a bit confusing. Had a minor fender-bender last month—nothing serious, thankfully—but I didn't have any dashcam footage at all. The other driver was cool about it, but the insurance rep kept asking me questions I couldn't clearly answer. Felt like they were trying to catch me slipping or something. Is that normal?
Anyway, after reading this thread, I'm seriously considering getting a decent dashcam. Does anyone know if insurance companies give discounts for having one installed, or is it just peace of mind?
Dashcams are definitely worth it, even if insurance doesn't directly discount your premium. I've asked my insurer before, and they didn't offer any discounts for having one installed (bummer), but honestly, the peace of mind alone makes it worth every penny. Had a close call last year where someone nearly sideswiped me—thankfully nothing happened—but it made me realize how quickly things can turn messy without clear evidence. Better safe than sorry, especially when dealing with insurance companies...they're not exactly known for giving you the benefit of the doubt.
