Drivers using ‘dash cams’ to fight fraud

by TTWpartners

Drivers using ‘dash cams’ to fight fraud

More and more drivers are using in-car cameras to help prove their innocence in road accidents, according to new research.

in-car-camera

Motorists in the UK are increasingly installing in-car or dashboard cameras in their cars to prove they are not at fault for crashes.

The in-car video cameras, which record the driver’s view from the windscreen, are designed to film journeys and capture events before, during and after a collision.

A new study by motoring organisation the AA has revealed that while only a small amount of its customers currently use the “dash-cams”, a growing number are expressing interest in them.

39% of drivers interested in dash-cams

The AA survey showed that 39 per cent of drivers would be interested in installing the cameras in their vehicles.

Some 29 per cent said they were not aware such devices existed, while 32 per cent said they had no interest in the cameras.

One per cent of the 25,000 people surveyed already had the cameras installed.

Some of the motorists already using dash-cams, which can cost up to £300, are employing them as a tool to combat so-called “crash for cash” fraudsters.

Cameras used to combat ’crash for cash’

These frauds are based on deliberate or invented collisions and the exaggerated or fictitious claims which result.

The Insurance Fraud Bureau has estimated such fake accidents are costing drivers almost £400 million a year.

Ian Crowder, an insurance expert at the AA, said: “It is the ‘crash for cash’ scams that have focused interest in the use of dash-cams.

“They can be of benefit in the event of a collision and the police would use such evidence, as would an insurer, in helping determine the circumstances of the event.

“They are already widely used in some countries like Russia, Poland and Japan.

“Unfortunately it is a sad thing that we would need to use these devices to demonstrate someone is being dishonest.”

Will dash-cams become mainstream

Matthew Paterson, head of liability claims at car insurance provider Admiral, says the industry is still unsure whether the market for dash-cams in the UK will continue to grow.

He said: “It’s hard to say whether they’ll become more widely used in the UK.

“The fraud issue in the UK is not quite as prevalent as other countries, and people won’t anticipate a situation where they’d require filmed evidence to help them.

“So while the evidence from dash-cams may be something insurers would like in determining liability and combating fraud, I’m not convinced they’ll become a big factor in the UK any time soon.”

Car collision on main road

Tristar Worldwide, a chauffeur company based in Middlesex, fitted dash-cams to all of its 460 vehicles in May.

Its fleet manager, Janusz Kozlowski, says the cameras have already resolved collision disputes and seen the company’s at-fault accident rate halved.

He said: “I expect the company to make savings of up to £60,000 a year based on fewer accidents and because we will be less likely to be targeted by ‘crash for cash’ fraud.”

Insurance discount for dash-cam drivers

Insurance company Adrian Flux has been offering a 15 per cent discount to drivers who install an approved dash-cam since spring 2012.

However, in general dash-cams are still not widely recognised by insurers at present.

AA car insurance expert, Crowder, added: “At the moment dash cameras are not a requirement for car insurance companies.

“However, if they were to become more widely installed by drivers then insurance companies ultimately will take a greater interest.

“They can be equally useful for insurers but motorists will be well aware that the recording could highlight their own driving error as well as those of others.”

article taken from here:

http://www.confused.com/car-insurance/articles/drivers-using-dashboard-cameras-to-fight-fraudsters

Dash-cam footage is the only real way to substantiate your claims in the court of law

by TTWpartners


Dash-cam footage is the only real way to substantiate your claims in the court of law. Forget witnesses. Hit and runs are very common and insurance companies notoriously specialize in denying claims. Two-way insurance coverage is very expensive and almost completely unavailable for vehicles over ten years old-the drivers can only get basic liability. Get into a minor or major accident and expect the other party to lie to the police or better yet, flee after rear-ending you. Since your insurance won’t pay unless the offender is found and sued, you’ll see dash-cam videos of post hit and run pursuits for plate numbers.

And sometimes drivers back up or bump their pre-dented car into yours. It used to be a mob thing, with the accident-staging specialists working in groups. After the “accident,” the offending driver — often an elderly lady — is confronted by a crowd of “witnesses,” psychologically pressured and intimidated to pay up cash on the spot. Since the Age of the Dash-cam, hustle has withered from a flourishing enterprise to a dying trade, mainly thriving in the provinces where dash-cams are less prevalent.

Dash-cam Supercut

The Mi Witness Dashboard camera is the perfect solution to protect yourself against false claims. Insurance fraud has existed ever since the beginning of insurance as a commercial enterprise.[1] Fraudulent claims account for a significant portion of all claims received by insurers, and cost billions of dollars annually. Types of insurance fraud are very diverse, and occur in all areas of insurance. Insurance crimes also range in severity, from slightly exaggerating claims to deliberately causing accidents or damage. Fraudulent activities also affect the lives of innocent people, both directly through accidental or purposeful injury or damage, and indirectly as these crimes cause insurance premiums to be higher. Insurance fraud poses a very significant problem, and governments and other organizations are making efforts to deter such activities.

In-Vehicle Cameras – A Useful Tool in Fleet Safety Management

by TTWpartners

In-Vehicle Cameras – A Useful Tool in Fleet Safety Management

Once a taboo that sparked discussion of Big Brother and scared many employees, camera systems have finally come into the norm and are being recognized by employers as a useful tool in their fleet safety management efforts. Drivers have come to realize that, in the absence of other evidence, having a camera onboard may influence a positive outcome in the case of an accident.
While actual results will vary depending on your fleet size, vehicle type, etc., it has been reported from various groups that camera systems can reduce at-risk driving behaviors by 50-70%. By reducing the at-risk behavior, the likelihood of an accident is also reduced.

Many factors go into selecting a camera system. Some of the more important items to consider are:

•    First and foremost before installing a camera system in fleet vehicles, be sure to consult legal counsel to establish the legality of such a system.  This is especially true in for-hire circumstances when the general public is transported.

•    Cameras are available in many different configurations with various options, settings and sensors. Do you need inward as well as forward facing cameras? Do you need a sensor system that will detect all angles or just one? With a sensor that detects all angles, you will most likely be able to capture excessive swerving and erratic turns while just a single sensor will most likely just capture hard breaking, hard acceleration and impact. Do you need a GPS? While this feature is standard in many models, don’t assume all cameras are so equipped.

•    One of the first things to consider is how the data will be retrieved from the camera. Depending on the quality and frame rate settings, the files can become quite large. Couple that with a driver who creates numerous events and the resulting data files can become massive.  Additionally, downloading data automatically via WiFi brings a multitude of technical issues and may even pose a problem with network capabilities, so be sure to ascertain compatibility before purchasing a particular system.

•    Durability and tamper resistance are important factors to consider when selecting a camera.  Regardless of the amount of education and training an employee receives, there will be some who may fear or feel intimidated by the presence of an onboard camera.  Be certain to choose a camera that will withstand long-term use as well as be resistant to any alteration which will compromise the integrity of the system.

In closing, there are many options available when it comes to onboard camera systems.  Determine your needs and research all avenues.  And be certain to “test drive” any system prior to purchasing to avoid an unwise investment.

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If you need advise on vehicle cameras for your Fleet, please call us on 01159 599 995 for the Mi Witness Range