Will a dash cam help my insurance claim?

Thinking about buying a dash cam to help you in the event of a traffic accident? Recent research from Allianz revealed a spike in the popularity of dash cams, showing that 21% of all Aussie drivers currently record their car trips. 

Here’s a look at how dash cam footage might help strengthen your claim should you be required to make a claim for compensation against the at-fault party.

How is dash cam footage used?

Insurance companies could accept dash cam footage to support a claim if it has recorded how an accident occurred and the details of the party at fault. Footage is used in addition to driver and witness statements and police reports to provide a more complete assessment of the event. 

It may also help you if your claim goes to court. While all motor vehicles registered in Queensland have compulsory third party (CTP) insurance that covers personal injuries, unless the at-fault party has purchased additional coverage (for example, comprehensive insurance), any damage to your vehicle or property may need to be recovered in a civil claim.

What are the benefits of having a dash camera?

Primarily, quality dash cam footage could be used to support your version of events. It could save you time and money if you’re in a car accident that isn’t your fault, as your footage could uphold your claim and save you the cost of an excess and the trouble of a lengthy claims process.

Some dash camera models also provide additional features, for example, parking protection which enables the camera to record when the car is off to capture any car park bumps or attempted break-ins while you’re away from your vehicle.

Quality footage is key

The quality of your camera footage could determine whether or not the footage can be used in your claim. So, if you’re looking at buying a dash cam, it’s wise to research camera options to ensure your investment is worthwhile. 

For full coverage, it could be best to look at camera models with a 360-degree view, or to consider installing multiple cameras, provided they don’t impede your ability to drive.

Need to lodge a compensation claim?

If you’ve been in an accident in Queensland, we can help you bring a claim for compensation. 

Get in touch with our team of specialised accident lawyers for a free case review.