Dash cams for safer SA
DASH cams should be deployed to all vehicles to help make the South African road user more responsible and reward good behaviour.
This is the view of Lizette Erasmus, insurance expert at IntegriSure.
While fleet monitoring systems like Mercedes-Benz’s FleetBoard already use dash cams to monitor drivers, Erasmus said South Africa should follow the UK example, where having a dash cam could reduce the insurance premium by up to 15%.
“Being able to provide additional evidence that you were not at fault when a motor accident occurs can be beneficial during claim stage and even fast-track the process,” she explained.
Erasmus said the willingness to install a dash cam is evidence of a responsible person and will consequently reflect in their premiums, taking the person’s risk profile into consideration.
Based on examples for Russia, where every vehicle has a dash cam, Erasmus warned that while a dash cam assists with the collection of evidence after a crash, it does not eliminate the need for a thorough investigation into an incident.
“Dash cams see broadly into the road, therefore other detail on the road may be missed by the camera lens — which is where an eyewitness account is still vital.
“Insurance providers still have to conduct thorough investigation to assess the incident and the resultant damage.
“Dash cams do, however, assist in speeding up the process and giving a greater scope of what happened. When all is said and done, dash cams do encourage responsible driving behaviour.
“Whether or not South Africa is ready for the wholesale adoption of dash cams in the short-term insurance industry remains to be seen,” Erasmus said.