How a Dash Cam Helped Denied a Car Insurance Claim in North Carolina

It began when I was driving my pickup truck and noticed a black Honda Accord, plate CXP5245, tailgating me at high speed. Within seconds, the driver, whom we’ll call "the lady in black," decided to swerve onto the shoulder to pass me and then abruptly cut in front, slamming on her brakes in a dangerous brake-check maneuver.

I knew her intentions were anything but safe. Thanks to my dash cam, everything was captured: her illegal pass on the shoulder, her sudden brake-check, and the resulting near-miss that could have been much worse. This wasn't just a minor inconvenience—it could have turned deadly, and all because of a reckless decision to "teach me a lesson."

What happened next was even more surreal. When law enforcement arrived, the driver of the Honda insisted that I had rammed into her. It turned out she wasn’t aware that my dash cam had recorded everything. Three days later, she filed a lawsuit against me, claiming damages and falsely accusing me of causing the collision. Luckily, the dash cam footage had already been reviewed by the authorities, and her story quickly unraveled.

After the video surfaced, everything changed. Not only was the case dropped, but her insurance company refused to cover the damage to her vehicle. The tables had turned—they were now footing the bill for repairs to my truck instead. The irony of the situation was that her attempt to “scam” her way out of responsibility ended up working against her in every way possible.

Documenting accidents has many benefits:

• • Dashcam footage can provide solid proof in case of insurance claims or legal issues, protecting you from false claims.
  • Video documentation can make it easier to file claims, determine fault, and get a fair outcome.
  • Having clear evidence helps keep you out of liability and ensures the right person is held accountable.
  • Knowing you have a way to record incidents can give you extra confidence and security while driving.

• • Video Quality: Go for at least 1080p resolution for clear footage, or higher (1440p/4K) for the best clarity.
  • Field of View: Look for a wide-angle lens (140-160 degrees) to capture more surroundings.
  • Night Vision: Make sure it performs well in low light.
  • Storage: Choose a dashcam with ample storage or cloud options for longer recording time.
  • GPS and Speed Tracking: This feature logs your location and speed, adding context to footage.
  • Parking Mode: Allows recording even when parked, which can capture hit-and-run incidents like Kevin’s.
  • Reliability: Pick a trustworthy brand with a good reputation.

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