Motoring Insurance Essential: Black Box Camera Systems

Motoring Insurance Essential: Black Box Camera Systems

A collision not only ruins our day but it can adversely affect your motor insurance and driving record. Even if you are not at fault, it is often a case of both parties word against each other when describing the incident.

This means that you could end up sharing liability for an accident in the absence of solid evidence to substantiate your side of the story. The outcome could potentially be a higher renewal premium, a lower no claim bonus and maybe even a black mark on your driver record.

An example of a possible collision scenario

The incident:
A Ford Focus collided with a Audi A4 in front of it. There was the possibility that the driver ahead may have been at fault by failing to stop the Audi from rolling back and hitting the car behind.

The result:
Unfortunately, in most cases involving this type of collision, the driver in front is generally not held to be at fault. The driver of the Ford was therefore deemed liable for the accident.
The car insurance company had to cover all damages, which included a fair amount for the ‘whiplash’ that the motorist ahead claimed to have suffered.

How a RoadHawk in-car camera works:
A RoadHawk in-car camera is a video surveillance device that can be fitted on the front windscreen, just behind the rear view mirror. When the driver starts the engine, the camera automatically turns on and starts recording video and GPS information, and continues to record on a constant overwriting loop.

What exactly does it do?
While the car is in motion, the RoadHawk in-car camera records the view of the area in front. This enables it to capture the movement of any vehicles or pedestrians should they collide with the front-end of the car.
RoadHawk camera systems are also fitted with GPS sensors, which record the exact time and location of an accident if it occurs.

In case of a collision:
G-Force sensors within the camera automatically trigger a new video file, which you can send to Third Party such as your car insurance company. This video can be of invaluable assistance to your insurer in the dispute settlement process and substantially reduce the resolution period.