Why did you buy a dash cam?

It completely irrelevant. The accident has nothing to do with the fact he went through a yellow, it's purely to do with someone going through a red.....

His actions have nothing to do with there being an accident. I go through amber all the time, I never expect to be confronted with someone going through a red.
 
You MUST stop behind the white ‘Stop’ line across your side of the road unless the light is green. If the amber light appears you may go on only if you have already crossed the stop line or are so close to it that to stop might cause a collision.
Laws RTA 1988 sect 36 & TSRGD regs 10 & 36

Pepsilol needs to go back to driving school.

Also the guy that went through yellow wasn't paying attention, you could see a mile off the minivan wasn't stopping and he just sleepwalked into a collision.
 
[TW]Fox;27601185 said:
Your insurance is there because you are legally obligated under the Road Traffic Act to insure your car before you can use it on a public road.

Insurance is there to cover the what if scenario, which just happens to be required by law.

It's not that difficult to grasp even if you're being purposefully obtuse
 
Insurance is there to cover the what if scenario, which just happens to be required by law.

It's a pretty big 'just happens'. You *must* have it irrespective of your view on risk. You have no choice. Therefore the whole insurance thing isn't really relevant when discussing whether dashcams are worth the bother.

That compilation video earlier showed some shocking driving but some of the clips incriminated the dashcam user more than the person they hit...
 
You MUST stop behind the white ‘Stop’ line across your side of the road unless the light is green. If the amber light appears you may go on only if you have already crossed the stop line or are so close to it that to stop might cause a collision.
Laws RTA 1988 sect 36 & TSRGD regs 10 & 36

Pepsilol needs to go back to driving school.

Also the guy that went through yellow wasn't paying attention, you could see a mile off the minivan wasn't stopping and he just sleepwalked into a collision.

Well we might aswell say that if he didn't leave the house there wouldn't have been a collision.
 
Well we might aswell say that if he didn't leave the house there wouldn't have been a collision.

Well no not really, because that would be absurd, whereas stopping at lights that are changing a good distance in front of you isn't completely absurd, it's actually what you are supposed to do (certainly here, I assume the same in the US?).
 
[TW]Fox;27602368 said:
It's a pretty big 'just happens'. You *must* have it irrespective of your view on risk. You have no choice. Therefore the whole insurance thing isn't really relevant when discussing whether dashcams are worth the bother.

It's not just car insurance though - do you have home insurance? Contents insurance? Phone insurance? Private hire insurance? Any insurance at all? None of them are legally required but people choose to have them because they are essentially just great big "what if something bad happens to something else" policies which protect you financially.

It can't be that hard to see the parallel here - a dash cam is just another "what if something bad happens to me or my car" layer of protection that could benefit you financially should you be involved in an incident or suffer damage through vandalism etc. You may not perceive the risk to yourself to be great enough to warrant a dash cam but clearly plenty of others do - just the same as not everyone deems it necessary to have phone insurance, for example.
 
It's not just car insurance though - do you have home insurance? Contents insurance? Phone insurance? Private hire insurance? Any insurance at all? None of them are legally required but people choose to have them because they are essentially just great big "what if something bad happens to something else" policies which protect you financially.

It can't be that hard to see the parallel here - a dash cam is just another "what if something bad happens to me or my car" layer of protection that could benefit you financially should you be involved in an incident or suffer damage through vandalism etc. You may not perceive the risk to yourself to be great enough to warrant a dash cam but clearly plenty of others do - just the same as not everyone deems it necessary to have phone insurance, for example.

This is exactly how I see it.

In the last 3 years I've been involved with 2 accidents which would have saved a lot of hassle and money if there had been a dashcam in the car.

1st, i had a biker ride into me, then claim I was driving erratically, overtaking and had suddenly turned right without looking or indicating (I was actually stationary!). Took a year to get sorted out, whereas with a cam in the car it would probably have been over in weeks...

2nd, my mum had a van stop in the middle of the road in front of her, reverse into her (wrote the car off), and then drive off. Unfortunately she didn't get the number plate, so she had to pay her excess and has a fault claim on her insurance - with a cam she would have had the plate and it would have been down as a non-fault.

For the £40-50 to have a half decent camera, it's a no-brainer really.
 
Thank you, I didn't expect to get so many replies - 4 pages :eek:

Its interesting that most of you who have dash cams seem to have purchased one after an accident in which a dash cam would have helped with the insurance claim.

I've had two crashes in my life, one on ice in which I would love to replay the footage to see how I managed to avoid all the other cars and only slightly damage my car so no insurance involvement. The other to see what exactly happened as it happened so fast.
 
Well no not really, because that would be absurd, whereas stopping at lights that are changing a good distance in front of you isn't completely absurd, it's actually what you are supposed to do (certainly here, I assume the same in the US?).

Regardless of whether or not he should have stopped at the yellow, the woman went through a red that had clearly been red for a very long time and she showed no intention of slowing down. For the sake of hypotheticals, if his light wasn't going to change for another second, leaving him going through on green, she would still have hit him.
 
Regardless of whether or not he should have stopped at the yellow, the woman went through a red that had clearly been red for a very long time and she showed no intention of slowing down. For the sake of hypotheticals, if his light wasn't going to change for another second, leaving him going through on green, she would still have hit him.

He also showed no intention of slowing until he was inches from impact and he wasn't going at a crazy pace. She may have run the red but both drivers were equally poor in their observation skills.
 
My company organises a gift of some sort at Christmas and as the selection wasn't great i plumped for a cheap dashcam. I haven't needed it yet and I'm hopeful I never will. It's front facing only, only 720p but it does the job.
 
It's not just car insurance though - do you have home insurance? Contents insurance? Phone insurance? Private hire insurance? Any insurance at all? None of them are legally required but people choose to have them because they are essentially just great big "what if something bad happens to something else" policies which protect you financially.

The point in insurance is to protect you against financial loss that you are unwilling or unable to afford. This is why you insure a house (Though the mortgage will mandate this), if it fell down most of us couldn't afford to rebuild it - the effects of not having the insurance would therefore be catastrophic.

Dashcams are not insurance against crap drivers. We already have that - its called comprehensive motor insurance. If a prat slams his brakes on and you hit him, you are covered. In effect all a dash-cam is 'insuring' is your excess - which is likely fairly low - and the potential effect on future premiums.

It therefore fails almost any probability based investment appraisal - the chance of the event actually happening (somebody brake testing you and you failing to stop) is very low to start with, then we have the fact that the financial loss to you as a result of happening is also very low and you get an overall low benefit to be derived from the camera.

A benefit that IMHO simply doesn't justify filming your every move on the road.


You may not perceive the risk to yourself to be great enough to warrant a dash cam but clearly plenty of others do - just the same as not everyone deems it necessary to have phone insurance, for example.

Quite - I don't have phone insurance either. But it's still an interesting debate to have :)
 
Regardless of whether or not he should have stopped at the yellow, the woman went through a red that had clearly been red for a very long time and she showed no intention of slowing down. For the sake of hypotheticals, if his light wasn't going to change for another second, leaving him going through on green, she would still have hit him.

But this goes back to the point I was making earlier. Yes, it was her fault. Yes, the dashcam proves it was her fault but come on - it's yet another 'non fault' accident where had the not-at-faulty party been a little more alert it would never have happened.

It's a clear observational failing - he approaches an intersection with limited visibility, the light is clearly yellow and before the line is even reached you can see a minivan approaching at speed. Should the van be there? No. Is the van in the wrong? Yes. Should you check both ways before proceeding through an intersection with a light set to caution? Absolutely you should.

Legally the accident was not his fault but if you can't see how avoidable it was then that's a worry. Interesting this is a common theme - a LOT of these dashcam videos where the user claims they were 'saved' by the dashcam have a similar theme. Moronic third party acting in an obviously moronic way that the victim of the accident didn't notice...

It really is important that people get over the fact that all that ever seems to matter is who to blame. What if the minivan was half a second slower? It would have t-boned him at high speed. Fat lot of good being 'legally not at fault' is if you are seriously injured or killed in the resulting accident. Be alert guys!
 
Funny to see the forums view on this. Especially when it seems like it is now a totally different place to the forum that will rightfully recomend the best performing tyres you can afford

Majority of people will only ever need that extra 5ft shorter stopping distance in an emergency . most will never use the tyres to their limits

Its surely the same with these cameras . good to have 'just incase' . cheap enough to just fit and forget .

I don't have one but am considering it and can't see any real downsides
 
Funny to see the forums view on this. Especially when it seems like it is now a totally different place to the forum that will rightfully recomend the best performing tyres you can afford

Majority of people will only ever need that extra 5ft shorter stopping distance in an emergency . most will never use the tyres to their limits

Its surely the same with these cameras . good to have 'just incase' . cheap enough to just fit and forget .

What is it with the random comparisons? Tyres can be the difference between having and not having an accident. A dash-cam cannot. They are therefore not comparable. Dash-cams do not help you avoid accidents.
 
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