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How a Dash Cam Can Save You Money on Insurance

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Mayika Fleet Management

dashcam or just dashboard cam, also called auto video monitor, camera, video recorder, or video vehicle recorder, is basically an on-board camera which continuously records the video view through the front windshield and either rear or other doors. Dashboards of vehicles come in different models and prices. If you're considering installing a dashcam, here are some things to consider:

 

If you own a dashcam, you must be aware of the laws where you live. Federal law mandates that any driver using a dashcam must display the device's identification tag. Most states have similar laws. Your insurance company will likely still require you to display your dashcam at the time of coverage, but may allow it to be switched off while driving. In some states, drivers may be prosecuted for driving without a dashcam if they are caught without the device displaying their identification tag.

 

You can purchase dash cams in various types and price ranges. Many dash cams are built to operate with an optional universal remote control. You can also purchase dash cams with interchangeable lenses which enable you to view your recordings from more than one position. You can even use dash cams with "night vision" capability. These types of dashcams are usually not waterproof and may not function in regions where there is frost or poor lighting.

 

Many dashcams are wireless units which plug into your dashboard computer or connect to an existing recording system via a FireWire or RCA connector. Some dash cams operate with a standard 3V "A" battery. The battery compartment must be carefully inspected before you recharge your battery as excessive and prolonged use could damage the battery.

 

Some dashcams record the video using an SD card, while others record to an SD card or to a hard drive connected to the vehicle's computer. Some dash cams can be connected to a DVR. The DVR can be controlled with voice commands, although in some cases, this feature may require a remote control. The DVR's image format and compression capabilities are generally higher quality than the video quality offered by the dash cam. High resolution images are often required for recordings requiring large file sizes.

 

Dashcams may be used to monitor traffic violations. Potential fines and fees can be billed to the driver through the dash cam's Internet connection. This system has proved useful in traffic enforcement since it is nearly impossible to fiddle with data recorded on a dash cam. It is also beneficial for employers who want to ensure their employees drive under the influence of alcohol. A simple alcohol test could determine whether the employee is fit to drive. Most states have laws that prevent employers from discriminating against job applicants based on alcohol consumption.

 

Installing a dash cam can increase your insurance premiums by up to 30 percent since it helps law enforcement officials obtain proof of criminal activity without having to wait for an accident to occur. An accident can help dictate whether or not an insurance policy is issued. Insurance premiums are already high enough without adding a surcharge to cover caught actions.

 

Since dashcams are relatively affordable, many people are installing them. A dash cam can easily be installed into any vehicle by replacing an existing dashboard camera. In addition to increasing insurance premiums, dash-cam footage can be embarrassing and damaging to a person's reputation. When driving, it is important to remember that a dash cam will record not only traffic violations but also anything else that may occur on the road. Therefore, it is vital that drivers follow all rules and laws and that they drive carefully.

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