Can Dash or Helmet Cam Footage Help in Car Accident Claims?
14 February 2018
If you were injured in a car accident which wasn’t your fault, how can you prove who was at fault?
Dash cams and helmet cams are becoming more and more popular with motorists, bikers and cyclists as they can provide indisputable video evidence of exactly what happened during a car accident, helping to prove who was at fault.
What are Dash/Helmet Cams?
Dash cams (dashboard cameras) are cameras which can be mounted on a vehicle’s dashboard or windscreen, and helmet cams are placed on helmets worn by motorbike and bicycle riders.
The camera records everything that’s happening (when set to record), from the driver/riders perspective. The footage is captured and stored on an internal memory drive. Once this drive is full, the oldest footage is usually overwritten with new footage, in a continuous loop. If a car accident occurs and the driver/rider wants to keep this section of footage, then this can be done at the push of a button.
Once captured, the footage can be transferred to a computer or app, downloaded onto a memory stick or sent by email for a Personal Injury Solicitor to review.
There are dozens of different makes and model of dash cams and helmet cams available on the market. While the key functions remain the same, there may be some differences between them. Some high-end dash and helmet cams can use GPS to record location, while others can detect impact, automatically saving the most recent footage if this occurs.
How Dash and Helmet Cams Help
The value of dash and helmet cam footage has been recognised by insurers, police forces and Personal Injury Solicitors alike. It has been reported that one insurer has not had to take a single case to Court where dash cam footage was available to prove liability. Another is reported to offer a free dash cam with the purchase of a car insurance policy.
Co-op Insurance reported last year that "the actual number of people now supplying dash cam footage in motor insurance claims has doubled over the last year."
Police forces in Wales launched “Operation Snap” last year, in which motorists are allowed to submit their captured dash cam footage and images of driving offences being committed. The police can then use this evidence to issue penalties to offending motorists.
Dash cams have also proven to be effective in exposing insurance scams, where drivers deliberately cause or fake an accident to claim against the other person’s insurance.
How Can Footage Support my Road Accident Claim?
If you have sustained an injury in a road accident that was caused by the actions or negligence of another driver, then you can claim compensation.
In order for your claim to be successful, it will be necessary to prove that the accident was at least in part the fault of the other person. Various types of evidence can be used to prove this, such as witness statements, photographs of the accident scene, and proof of the damage sustained to the vehicles. Dash and helmet cam footage can also be used as evidence. As the footage provides an accurate account from the driver’s perspective of what happened during the accident and the moments leading up to it, it can be used to objectively demonstrate how the incident unfolded.
It’s important to note that the footage may even help your claim if the events that took place were not within the view of the dash cam. For example, if you have a forward-facing dash cam and sustained an injury when the back of your vehicle or bike was hit, then the footage could be useful in showing that you were driving appropriately at the time the collision took place.
Most road accident claims can be dealt with on a No Win No Fee basis.