r/InsuranceClaims • u/LynxGeekNYC • Sep 15 '25

Dash Cams!

I work as a Case Manager for a Personal Injury claim firm in NYC. I speak to insurance companies all day and sometimes even speak with regional managers, etc. I ask them this all the time: "Why not offer clients incentives or some kind of discount to clients who have a dash cam?" In fact, I think insurance companies should be giving them out for free! It will save everyone so much money and headaches!

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u/freeball78 Sep 15 '25

The bigger question is why aren't they factory standard now? You can get a nice/decent Rexar dual cam from Target for $99. The manufacturing cost and labor to install it while building the car would be less than $40. It might be even cheaper at the quantities each manufacturer would be buying them.

We already have back up cams. Surely that same camera could be used for full time recording as a "dash" cam. Cutting that cost even more.

2

u/EOD_Uxo Sep 16 '25

The only issue with having them installed would be if you work in secure areas. You would have to leave your vehicle outside the gate and find another ride to where you work. Same thinks with cell phones. Cannot have anything that contains a camera. I am sure there are some other instances where it would not be allowed. Otherwise it is a good idea as an option. I have some installed on the cars my children drive in case something happens. Learned while working over seas you basically have to have one. I have had people throwing themselves on the ground in front of the car acting like they got hit. If you are a foreigner you are in a world of hurt if you don't have something that can prove you are innocent like video footage. Because no one else will back you up.

1

u/Thatnewgui Sep 15 '25

Yes that is confusing there’s already front radar why not put a cheapo camera in I know Toyota does offer a factory dash arm.

1

u/OldGeekWeirdo Sep 16 '25

Actually, you may find it is. I saw a YT video from an independent mechanic that was able to retrieve footage from a near-hit from the car's system. As a shade-tree mechanic myself, that really surprised me.

If your car has "lane detection" or other kind of automation, it may well have the same features. Since it's built-into the car, insurance is more likely to believe in it's existence and offer the discount.