Part I: Letting the evidence speak for itself
Increasingly, companies are reporting how vehicle cameras have helped them successfully defend against insurance claims.
Other than negotiation and comparing quotes, the only way to lower costs is to have fewer claims or to manage the claims more efficiently. One of the best ways to reduce claims is to collate supporting evidence which categorically shows your driver was not at fault. Cue the vehicle camera!
Hubio’s most advanced telematics system incorporates GPS vehicle tracking and driver behaviour monitoring, along with an integrated 3G camera ensuring any incident is captured on film. The film can be used as evidence should an incident occur and can reduce the likelihood of a 50-50 when insurance companies agree to take on board their own driver’s costs if blame can’t be attributed to one driver.
According to a Fleet News poll, 69% of respondents said they would consider using a dash-cam and 15% had already installed the technology. An increasing number of fleets are opting for self-insured premiums to help reduce mounting costs, the camera is fast becoming a vital piece of equipment to protect assets and it is increasingly helping resolve insurance disputes.
With the majority of larger fleets being self-insured, the camera plays a vital role in providing filmed assets to support the First Notification of Loss (FNOL). The assets help support and speed up taking control of the vehicle recovery and repairs which is vital in keeping incident management costs down.
Find out how Hubio’s systems can help you keep track of your fleet, monitor driver behaviour to identify any training requirements and, crucially, provide supporting evidence in insurance claims and driver accidents.