10-4 September Safety Brief
The Dash Camera Advantage
Every profession has certain tools that are required to get the job done. A dash camera is a tool that we hope we never have to use, however, I’m sure we’ve all heard about a car pulling in front of a semi and slamming on the brakes. The driver of this car undoubtedly intends to go to court and blame the big truck for the accident. What better defense is there than to have the dash cam footage of what actually happened? There are countless other benefits for having dash cameras and I have outlined some of those here.
The Proof is in the Video
The FBI estimates that fraudulent claims cost the insurance industry $40 Billion per year. With so much fraud these days the lack of photographic or video evidence can make it very hard for you to prove you are telling the truth in the event of an accident. Most times, without any supporting evidence people are not likely to admit fault. Having the video proof may also expedite the claims process since there will be no need to go back and forth trying to determine who was at fault. This reduces overall claim settlement costs. The lower your annual claim costs are, the better your future insurance premiums become.
Not all accidents involve two vehicles. Here in Missouri our deer have not yet learned to look both ways before crossing the road and I bet it’s the same where you live. I remember several years ago a section of I-40 in Western North Carolina was closed due to a rock slide. And there are countless other events where nature has caused an unavoidable accident and then left the scene for you to tell the tale. Video footage of these events can save you valuable time and money when it comes to claim reporting.
Affordable and Simple
As dash cameras have become more popular they have also become more accessible and affordable. You will also find that they are very easy to install and operate. Most dash cams come with a windshield mount and car charger. Some can be set to film on a continuous loop all the time if they are getting power from the DC outlet. Some of the high-end dash cams have a GPS unit either separate or built in. The GPS unit is great for driver performance reviews of company drivers. This allows you to track vehicle speed and location.
Available Dash Camera Programs
CTC Transportation has begun offering dash cameras to all of the fleets they insure through the Spirit, County Hall and DriveSafe commercial auto liability programs. Tom Mulligan, CTC Transportation CEO, commented: “We feel strongly that the cameras will create a safer driving environment for our policyholders and the public, and help to reduce overall claim costs. Insureds and their agents who wish to participate in this free program should contact their marketing or underwriting representative for more details.”
Visit the link below to learn more about this unique program.