Dash cams, cab cameras, and other video systems provide invaluable visual evidence for settling insurance claims and guiding risk management. Video captures objective circumstances around collisions, cargo damages, and liability disputes. Documented truth protects fleets from fraudulent claims while promoting accountability to insurers. Wise fleet managers implement smart camera technologies and use footage to favorably resolve incidents.
Cameras Record Collision Details for Accurate Claims
In the moments during and after a collision, drivers experience shock, panic, and a flood of emotions that can distort memories. Inward and outward facing cab cameras objectively document collisions from multiple angles without filter. Exact details get preserved like date, time, speed, weather, license plates, vehicle damage and points of impact.
Insurers access reliable visual evidence to process claims fairly. Facts replace conjecture over blame percentages, previous damage, accident causes, and other disputes. Video clips also provide definitive documentation if lawsuits emerge down the road. Complete collision photos, police reports, and camera video create an accurate record to determine payouts.
Sensors Trigger Automatic Incident Recording
Rather than filter through thousands of footage hours, event-triggered recording captures only relevant video. G-force sensors automatically activate interior and exterior cameras when incidents occur, such as hard braking, swerving, collisions, rollovers, or unauthorized cargo door openings. Video gets transmitted to the cloud seconds before and after the sensor trigger.
Incident-based recording provides insurance adjusters with succinct video packages that contain multiple camera angles focused narrowly on damages or crashes. According to the experts at Idrive, this visual evidence aids determinations over preventability, fault, claims investigations, and risk exposures needing addressed. Brief evidentiary clips simplify resolutions.
Analyze Footage Trends to Guide Risk Management
Collectively analyzing categorized video over many events reveals risk patterns across fleets. Safety specialists mine aggregates of collision, settlement, and operational data. They identity trends related to weather conditions, cargo types, vehicle specs, routes, loading processes, maintenance issues, driver groups, and other variables that impact losses.
Emerging risk insights guide proactive mitigations before incidents swell. Fleet managers adjust training, loading methods, vendor policies, vehicle suitability, route planning, maintenance cycles, driver coaching, and other controllable practices. Getting ahead of emerging risk trends cuts future claims volume to earn lower insurance premiums.
Verify Training Compliance for All Drivers
Fleet policies and training require drivers to perform pre-trip inspections, report issues quickly, follow loading procedures, lock cargo doors, drive defensively, and take other mandatory actions. But how can managers confirm universal fleetwide compliance?
Mounted cab cameras capture entire journeys, not just collisions. Safety teams perform systematic video audits to regularly review randomly sampled driver trips. Auditors verify full conformance to every operational, inspection, reporting, driving, and documentation protocol across the fleet. This accountability always ensures sustained training adherence, not just the days drivers remember cameras watching.
Settle Cargo Claims Based on Recorded Handling
Cargo often gets damaged en route despite best efforts. Recording movements allows clearer liability determinations over shaken, crushed, or dropped freight claims. Telematics track environmental factors like temperature, vibration, and humidity during shipping. Cargo area cameras capture loading and unloading processes.
Together, this documentation provides visual evidence if goods get compromised through driver mishandling versus external factors like weather or insecure packing. Justified claims get resolved faster when facts are clear to all parties.
Conclusion
Video telematics furnishes invaluable, objective documentation to fairly investigate insurance claims and inform risk management changes. Incident recording paired with driver coaching transforms safety culture. Analyzing footage uncovers focus areas to mitigate emerging fleet risks before they become claims. Settling disputes relies on facts, not conjectures. Fleets implementing intelligent camera systems benefit across the board.