When it comes to driving in Canada, there’s one essential accessory every driver should consider: a dash cam. With car insurance already being expensive, having a dash cam can offer peace of mind and financial protection if an accident occurs. If you’re a cautious driver who follows the rules of the road, why not take an extra step to protect your side of the story?
Why You Should Have a Dash Cam
Accidents happen, and when they do, insurance companies rely on driver and witness accounts to determine fault. But what happens when:
- Both drivers’ stories conflict?
- There are no independent witnesses?
- Each driver blames the other, and no fault can be conclusively assigned?
In these cases, insurers may assign shared fault, impacting both drivers’ records and premiums. A dash cam provides a clear, unbiased record of events, ensuring your version of the story is backed by evidence.
Is It Easy to Buy and Install a Dash Cam?
Absolutely! Dash cams are widely available and easy to install.
- Where to Buy:
- Online retailers like Amazon offer a wide selection of models at various price points.
- Electronics stores like Best Buy also carry dash cams.
- Car audio shops often sell high-quality models and even offer installation services.
- Installation Options:
- Many dash cams come with long cords that plug into your car’s 12V battery charger.
- Professional installation is available at most car audio shops if you prefer a clean, wire-free look.
How Dash Cams Can Impact Car Insurance
Currently, Canadian insurers don’t offer discounts for having a dash cam installed. However, the financial benefits can still be significant:
- A dash cam can provide critical evidence in proving you were not at fault in an accident.
- Avoiding an “at-fault” accident designation can save you thousands of dollars in increased premiums over time.
While it may not lower your premiums directly, a dash cam is a valuable tool for protecting your driving record and your wallet.
Get the Right Car Insurance with Humberview
At Humberview Insurance Brokers, we understand how important it is to protect yourself on the road. Whether you’re looking for competitive car insurance rates or expert advice, our brokers are here to help.