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Motor Insurance Payouts for Damages Caused by “Acts of God”

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Most insurance companies issue policies which cover damages that are done to a vehicle as a result of mother nature, or in other words, damages caused by the “act of god”.

This can range widely from a hail storm, to a tornado, or even something as simple as a falling tree branch.

What most people don’t know is that without an accident, where no other parties are involved, damages to a vehicle are often not covered under your normal insurance policy as that would open a lot of lee-way for insurance fraud. For example, if a tree branch falls on your brand new car with no one around to witness it, you’ll be paying out of your own pocket to fix the damages.

Taking a look at this video sent in by one of our regular readers, it is most fortunate that he had an in-car camera installed in his brand new Mercedes-Benz E-Class as he would now have the evidence that the damage to his new car was caused by an “act of god” instead of being done intentionally to claim insurance money¬†fraudulently.

What are you waiting for? Get an in-car video recorder today to ensure that your insurance companies will never doubt your word!

Why Do I Need An In-Car Video Recorder?

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If you’re on the fence about buying a digital in-car camera or video recorder for your car, think no further and do it. This is the one best piece of advice that we can give to you. After plunking down a large wade of cash for that latest car purchase, the last thing you’d want is to spend more money fixing it should an accident occur.

Automotive insurance is required in almost every state in the US and most countries around the world. However, what most people don’t think about is that your insurance policy does not necessarily cover you in the event of an accident! Most insurers would try and twist their way out of paying for damages by citing inproper handling of the vehicle, driving under the influence, or simply because there is not enough evidence for you to fight your case against them!

Accidents happen each and every single day. Are you waiting until it happens to you before purchase a permanent "eye-witness" for your car?

Accidents happen each and every single day. Are you waiting until it happens to you before purchase a permanent “eye-witness” for your car?

Instead of paying hundreds of dollars with no guaruntee of insurance cover, the best thing to do for any driver would be to purchase an in-car camera as a permanent “eye-witness” for you when you’re on the road.

Case in point, take this example of an e-mail that we received recently from one of our readers asking for some advice regarding an accident.

I was stucked in traffic today on the way to work and was stationary with a Toyota right in front of me. Suddenly, the driver engaged his reverse gear & drove straight into my car.

I got out of car and the other party had 6 young fellows in their group.

I asked for the driver for his particiulars and how they are going to compensate me for the accident and they started becoming hostile. They argued that I failed to keep 1 car length distance and no one could prove that i wasn’t that one that drove into them and insisted that i pay for their damages instead.

One of them insist that I pay them $1,000 for this accident.

When they realized that i wasn’t going to pay them, they got in their car and drove away.

My front grill dented and the bumper is scratched up and misaligned.

Any advise on what I can do?

The above is a very fine example of WHY YOU NEED AN IN-CAR CAMERA. It is exactly for situations like this! In this case, and most cases of car accidents, there are very little witnesses around and it would be hard for anyone to fight their case even if they were evidently not in the wrong. In most cities around the world, when the fault cannot be proven to be from either parties, the driver of the car in the back must bear the brunt of the insurance claims. What if the actual situation was caused by the car in front? Sadly, there is no law to protect the innocent party in this case without any evidence.

If this reader had an in-car camera installed in his vehicle, he would have saved thousand of dollars in repair bills and insurance claims as he would have the video recording of this accident to prove his side of the story. Plenty of accidents happen on the roads each and every day. Are you going to wait until one happens to you before purchasing an in-car camera?

Let us know what you would do in the comments below if you were the on involved in the above-mentioned accident. We’d love to hear your thoughts!

In-Car Cameras Increasing in Popularity

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In the past 2 years, in-car cameras, or DVRs (Digital Video Recorders) as most people know them by, are becoming increasing popular among drivers, commercial truckers, and even the local law enforcement agencies. There are several reasons behind this trend.


Technology has enabled companies to build smaller video recorders, and this has translated into better looking units which people do not mind having in their cars. Just 5 years ago, wanting to record a clear video meant lugging around huge camera equipments and limited the ability for people to record videos to a very small, professional pool or people.

For an in-car camera to be effective, it must also be able to record and save the video recording for future use (if required). Whereas hard-disk is the past were huge and heavy and only used in computers, the introduction of SD cards have enabled these cameras to save huge amounts of data (up to several tens of GBs) to a tiny card which could be inserted into the DVR.

The combination of all these technological factors have made the possibility, and usefulness, of having an in-car camera high plausible in today’s society.

Eye-Witness Evidence

With an ever-increasing number of vehicles on the road, the number of accidents have also been going up year after year. No matter how careful a driver is, accidents among motor vehicles are inevitable. What follows after an accident is almost always certainly a nasty legal tussle between insurance companies, the parties involved, and cost more time and money than anyone would want to spend.

Having an in-car camera in this case would actually be a huge advantage to anyone as the video evidence provided to the insurance companies and enforcement agencies would definitely speed up this process and at the same time, avoid unscrupulous drivers carrying out insurance scams by causing accidents on purpose.


With the above-mentioned reasons and being priced at a point whereby it is relatively inexpensive and easily for people to afford to protect their assets, we have no doubt that in the very near future, every car will come equipped with an in-car camera.