Insurance rates are raising?

For shitty drivers, yes.

Dash cams can be used against a driver just as well as for one.

All it takes for somebody like teenage thief to hit you and you are screwed. Only way then is to claim it against your own insurance. See then if your rates go up.

If you think you might at fault don’t tell other drive or cop you have a dashcam. Dashcam is there to protect you and only you. In the end the only entity that matter is the insurance company. I would only provide them with footage of the accident and nobody else

I’d like to introduce you to a concept called subpoena. It may be out if your hands.

I only meant that you don’t have to inform anybody of existence of your dashcam. And nobody ever notice these things.

Sorry officer, I never got around to installing an sd card for it.

If a car is impounded, they’ll see a dash cam.

If they seize it, and I don’t know if they can in CT., they’d have the card.

Just say it’s not your car lol

Unless you are incapacitated you can always go and get your personal stuff from the car at the scene. And even if you are nothing stops you from asking family or friends to go to the place it was towed to get it for you.

Sorry I’ve never caused an accident.

My rate goes down by $100 for every year don’t cause an accident.

I recommend no recording (camera pointed) inside the car, and audio recording always off.

This would work! As long as it isn't your car.

If a car is impounded As Evidence, nobody's stopping by to collect your stuff.

I’ve never caused an accident either. But I had somebody hit me in a totally unavoidable situation last year. $3000 claim against their policy, and my insurance went up about 15%.

Taking a left turn (two lanes going left), after completing the turn this guy to my left starts coming into my lane. I slow down and hold the horn seconds before impact…but the guy keeps coming. My only other option was to hit the curb which is next to a sidewalk and a few businesses. Still impacts my rates.

Had a dashcam which recorded the other driver crossing into my lane and hitting me. Other driver admitted to police the situation, and he was given a verbal warning for failure to maintain his lane position. But my rates still went up.

Crazy idea; if you’re at fault just own your shit and deal with it. Mistakes happen. Own them and make them right.

I never said anything regarding responsibility or owning fault

So basically you’ll get your insurance for free after a number of years? Lol

Pretty much.

Just another 10 years lol

Why did your rate increase if you claimed against the other driver's policy?

How is this camera when showing videos on the spot? I have a YI and it's super annoying to try and browse for shit that just happened. You can connect to its WIFI but that is just as bad and clunky.

You rate can still increase, and usually will, due to a not-at-fault accident.

You are so full of shit bro.

From Progressive:

Do insurance rates go up after no-fault accidents?

It may seem unfair, but accidents that aren't your fault may still increase your rate in certain states. However, they may not cost as much as at-fault accidents. As with speeding tickets and most other violations, not-at-fault accidents stay on your driving record for a certain number of years (the length varies by state).

I've been insured by the same company for 32 years. They should be paying me.

Interesting. Ive been in 2 not-at-fault fender benders and 1 not-at-fault accident over 12 years and my rates have only ever gone down

I can share my receipts with you if you want.

It’s just AAA

Hmmm I am told 3 years now in a row that inflation/hurricanes/mandatory raise. All across the board. $100 every year. No accidents no tickets.

It’s also nice for all the random events you might encounter on your daily drive.

I call BS! 🤣🤣🤣

Yes that’s how it works

They’ve risen because of inflation. The cost to replace parts is higher so they go up accordingly. Mine didn’t rise much though.

So how is it yours didn’t go up?

This is how mine is set up. I don't want private conversations in the hands of police.

make sure that you have the sound recording on! so if you ever see anything on the road you can read out license plate numbers for the recording

I personally think there is. I have seen my bill go up $20 a month over the last year (an increase of $240 over a year)

And I don't drive anywhere because I work from home so it's not more driving. No accidents/tickets either so there are some price increases that may be slowly happening for some folks for some "xyz" reason I'm sure...

GG, not sure why people downvote this.

> It may seem unfair

Why yes, Progressive, that would be because it fucking is

If you get sued you absolutely have to disclose it. It’s basic discovery.

You guys can downvote, but know that even in civil cases, there are consequences for destroying or hiding evidence.

I would say so. Almost doubled for me over the past 2 years and I have a clean record

If you cause the accident it will catch you too.

cost of parts are up. Waits for parts and repairs are also up aka longer rental car reimbursement periods. Oh also more expensive rental cars.

Especially comprehensive, with all the stolen cars.