The popularity of buying a dash cam is rising, and for several reasons—including the fact that they have become much more affordable and could provide valuable evidence in case of an accident. Dash cams – or dashboard cameras – allow you to record video and audio of your surroundings while you drive.
If you’re considering this investment, here are some benefits and tips to think about.
A dash cam may help you save on insurance
Having a dash cam won’t automatically lower your insurance premiums, but if you’re involved in an accident, the recording could provide evidence to determine who was at fault and liable, which may protect you from potential increases to your auto insurance premiums.
Other ways to save on your car insurance premium
Ajusto® is a program that you can access from your smartphone to help you monitor your driving behaviours and habits and save on your auto insurance premium. Ajusto uses your smartphone's sensors to analyze your driving behaviour and habits to offer you a more personalized premium. Ajusto is available free in The Personal app.
Find out more at The Personal.
Prevent fraudulent claims
It’s not unheard of for fraudsters to intentionally stage an accident to defraud an insurance company. Investigators can use the evidence from a dash cam to expose the fraud and avoid insurance claims that could raise your rates.
Have some fun or capture the unexpected
You may have seen the stunning footage captured on dash cams of meteorites racing across the sky or majestic wildlife strolling along a road. A dash cam is always recording, and if the unexpected happens, you’ll capture it. Dash cams can also be a great way to record memories on a family road trip, so you can capture the family sing along for posterity.
Selecting the right dashcam
When shopping for a dash cam you’ll quickly realize that there are a wide range of price points and features available. So here are some key features to consider:
- Picture quality (high quality 4K cameras are available)
- Lens angle and interior camera
- Rear facing camera
- Voice commands
- Wi-Fi connectivity
- Location and speed data
- Recording when parked
Obviously, the more features on the camera the pricier it will be. Prioritize what you want in a dash cam and what features you’re willing to compromise on and you should be able to find one within your budget.
Installing a dashcam
If you’re not confident with your ability to install a dash cam most mechanics will gladly do it for a small fee based on the amount of time it takes to install it.
Having the right protection for your home or car is essential. CDSPI Home & Auto Insurance* provides solid protection at preferred group rates for dental professionals, their spouses and dependents—with exclusive group rates not offered to the public.
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*The CDSPI Home & Auto Insurance Program is underwritten by The Personal Insurance Company and distributed by CDSPI Advisory Services Inc.
The CDSPI Home & Auto Insurance Program is subject to certain conditions, limitations and exclusions. Products, services, savings and discounts are subject to eligibility conditions and may vary by jurisdiction. Rates and discounts are subject to change without notice. The CDSPI Home & Auto Insurance Program is not available to residents of Quebec. Auto Insurance is not available in Manitoba, Saskatchewan and British Columbia due to government-run plans.
Ajusto is underwritten by The Personal. Ajusto® is a registered trademark of Desjardins General Insurance Inc., used under licence. The discount and the personalized premium do not apply to certain endorsements or additional coverages.
These tips are provided for information and prevention purposes only. They are general in nature, and The Personal cannot be held liable for them. We recommend using caution and consulting an expert for comprehensive, tailored advice.
Some conditions, exclusions and limitations may apply. The conditions of the coverages described are set out in the insurance policy, which always prevails.