Do you have a dash cam in your HGV?
If you don’t, you are missing out on a lot. Purchasing and putting a dash cam in your HGV will be a huge investment into your safety and future. Over the years, dash cams have been used to capture surprising accident footage from around the world such as those involving lorries, vans and other commercial vehicles.
With the dash cam footage, it’s easy to prove the driver is unsafe or if the driver wasn’t at fault for the accident, thus proving their innocence. Cobra UK, one of the leading security solutions provider in the United Kingdom, requested the government to pass legislation to install front-facing cameras in commercial vehicles. It’s an ideal way to provide protection against ‘crash for cash’ scams. Here are the top 4 reasons why you should install dash cams in your HGV.
1. Protection From Scams
There have been many cases where people claim cash from insurance companies from crashes that are scams. It’s very hard for innocent drivers to protect themselves in these cases. However, if you have a dash cam, you can reveal your side of the story effortlessly. This is especially true for HGV drivers who are taught in their HGV driver training course to be particularly aware of these scams and to ensure a dash cam is always fitted in their vehicle.
In these ‘crash for cash’ scams, the con artist will rush in front of a fast-moving vehicle and do something to cause an accident intentionally. For instance, they might slam on the brakes without any reason for it or slow down their car without turning on the brake lights. The victim crashes on the scammer’s vehicle from behind and the victim will be found at fault. However, with a dash cam, it’s easy to prove who is at fault.
2. Evidence for Insurance
If there is a lack of evidence to prove that the accident was a result of a crash for cash scam, you can use the dash cam to prove the liability with the insurance company. Eyewitnesses are useful in these cases but their testimonies are often spotty and might miss some crucial details. However, dash cams can provide the insurance company with impartial evidence with all the facts to determine who is actually at fault. It can be used to solve disputes and make sure you are not found at fault for an accident of which you are innocent.
3. Reduced Premium Rates
Whether you are driving one HGV or an entire fleet, you must be aware of how expensive insurance policies can be. If you are a relatively new driver, your premiums are even more expensive. The same goes if you have been involved in an accident previously, whether or not it was a crash for cash scam.
A good thing is that insurance companies have started identifying the benefits of using dash cams and how they make their jobs easier. Now, insurers can close cases faster and forget about spotty or blurry eyewitness testimony. Dash cams have become so popular such that brokers have started offering discounts for drivers or companies who want to install them on their vehicles. It’s a great way to protect yourself in the event of an accident and you can also get many savings out of it.
4. Create a Record of Driver Behaviour and Make the Necessary Changes
Here, you have the divisive option. If you have a fleet of HGVs, you will enjoy this bonus of installing dash cams. Your drivers might have a hard time agreeing to it but if you are an independent driver, there is nothing to worry about. As the fleet manager, you can observe your driver while on the road and make the necessary changes if required. You can also use any available telemetric data to make sure that your drivers are putting out the best face for your company.
In conclusion, dash cams might seem trivial but can come in handy if you are involved in an accident. They will provide the best information to the insurance company to handle the case effortlessly.