How Dashcams are Changing Car Insurance Claims in India in 2025

In the worst case scenario, a car accident is a nightmare. When it does occur though, insurance claims in India can be confusing, time-consuming, and sometimes frustrating. From unclear accident reports to disputes over who was at fault, even a small accident can turn into a lot of back and forth and mountains of paperwork.

Thankfully, dashcams are here to save the day. These windshield-mounted devices are slowly but surely assisting victims of accidents to prove their version of events. They also help insurers settle claims faster and reduce the chances of fraud. In this article, we will take a deep dive into how dashboard cameras are changing car insurance claims in India for the better. Simply put, a dashcam can be your best friend when dealing with insurance companies in India.

How the Insurance Claim Process works in India

Understanding the basic steps in a car insurance claim helps you see the benefits of dashcams in your car.

Report the Incident

Inform your insurance company immediately after the accident. They may ask you to file a First Information Report (FIR) if injuries or major damage occurred.

Surveyor Inspection

The insurance company sends a surveyor to inspect the damage. This is where disputes often begin, especially in the absence of clear evidence.

Claim Approval or Rejection

Based on the inspection, documents, and statements, the insurer decides. If there’s confusion about who was at fault, claims may be delayed or denied.

Repairs and Reimbursement

If approved, you either get a cashless repair at network garages or a reimbursement after the repairs.

Five Ways A Dashcam In Your Car Can Help You With Insurance Claims

1) Where Most Claims Get Delayed or Denied

One of the biggest pain points in the Indian insurance process is the lack of clear proof. When both parties involved in an accident blame each other, insurers are left to decide based on statements, photographs, and sometimes inconsistent paperwork. This leads to either splitting the claim, delaying it, or outright rejecting it when the evidence is unclear.

In addition, incorrect documentation like missing FIRs or wrong policy details further complicate matters. Suspicion of fraud or staged accidents, which are not uncommon, add to these delays. Without credible witnesses or reliable footage, your claim can easily get stuck in endless disputes, leaving you frustrated and financially stressed.

2) Dashcams Help Prove Fault Instantly

Dashcams are a game-changer because they provide crystal-clear video evidence at the moment an incident happens. They record the entire sequence leading up to, during, and after an accident, eliminating the guesswork and uncertainty. The footage typically includes time stamps and GPS data, offering additional layers of verification.

Thanks to the wide-angle lenses that many dashboard cameras come with, the camera doesn’t just capture your vehicle but the entire road context—including lane markings, traffic signals, and other vehicles. This ensures that even if there are no third-party witnesses, the footage can act as an unbiased eyewitness to prove your innocence.

3) Dashcams Help Prevent Insurance Fraud

Fraudulent claims are a serious concern for both insurers and car owners in India. Tactics like staged ‘accidents’, sudden brake checks, or intentional lane-changes (to cause an accident) are common tricks used by fraudsters looking to exploit insurance loopholes. Dashcams play a crucial role here by recording these fake scenarios, making it easy to expose false claims.

Additionally, with dashboard cams capturing every moment on the road, the "he said, she said" narrative is significantly reduced. Insurers are more likely to trust a claim supported by video evidence, which leads to faster approvals and fewer disputes. The mere presence of a dashboard camera can also promote safer driving behaviour, as people tend to drive more responsibly when they know they are being recorded.

4) Common Insurance Claim Scenarios Where Dashcams Help Most

There are several common scenarios where dashcam footage becomes critical in supporting your claim. In the event of rear-end collisions, for example, the footage can easily confirm whether your vehicle was hit from behind without fault. Similarly, in side-swipe incidents on narrow roads or chaotic traffic, the camera can capture improper lane changes or reckless overtaking attempts.

Parking-related damage is another frequent issue in India. With parking mode activated, the dashboard mounted camera can record vehicles that hit your car and flee the scene. Other instances include sudden braking or brake-check situations, where the footage can prove that you maintained a safe distance and were not at fault. These real-world examples highlight just how valuable a camera on the dashboard can be in protecting your interests during insurance disputes.

5) How Dashcams Can Help During FIRs and Police Reports

Beyond insurance claims, dashcams are incredibly useful when it comes to legal processes like filing FIRs or dealing with police reports. Video evidence speeds up police action because it removes ambiguity from the situation. Officers are far more likely to take immediate action when presented with clear footage, as opposed to relying on verbal statements alone.

When filing an FIR, the footage can provide vital details like exact time stamps, number plates, road signs, and the sequence of events. This helps ensure that your report is precise and credible. In cases of road rage or assault, audio and visual cues from the footage can support claims of intent or aggression. Sometimes, your footage might even help innocent third parties caught up in the incident, strengthening your position as a responsible road user.
 

Which Insurance Companies In India Accept Dashcam Footage

Most top insurers in India have started accepting dashcam footage as supporting evidence.

• Bajaj Allianz – Actively encourages dashcam use in urban areas.
   
• ICICI Lombard – Has accepted dashcam clips in over 5,000 claims.
   
• HDFC Ergo – Uses video footage to support fraud detection and claim accuracy.
   
• TATA AIG – Customer support teams are trained to evaluate dashcam content.
   
• ACKO & Digit – These digital-first insurers are most open to tech-based evidence.

What Kind of Dashcam Works Best for Insurance Claims

When choosing a dashcam for your car for insurance purposes, prioritise models that record at a minimum of 1080p resolution, though 2K or 4K options provide much better clarity. High-definition footage is especially important for capturing license plates and fine details during accidents.

Night vision capability is another key feature, given that many accidents happen in low-light conditions. Look for dual-channel dashcams that offer both front and rear coverage, as rear-end collisions are common on Indian roads. Other useful features include G-sensors that trigger emergency recording during sudden impacts and loop recording to ensure continuous footage capture without manual intervention.

Tips To Use Dashboard Cams Effectively For Insurance Support

Buying a dashcam is the first step, but using it properly makes all the difference when filing insurance claims. Always use a high-endurance microSD card to avoid data corruption, as cheaper cards can fail during crucial moments. Make it a habit to regularly check your camera’s memory card health and replace it when needed.

Keep the lens clean and ensure the camera is properly mounted for a stable, unobstructed view. Enable GPS and timestamp features to add credibility to your footage. In the event of an accident, immediately save and back up the relevant video files to prevent overwriting, and always keep a personal copy when submitting clips to your insurer.

Mistakes To Avoid When Using Dashcams For Claims

Even the best dashcam won’t help if used incorrectly. One common mistake is opting for low-quality cameras that fail to capture usable footage. Always invest a bit more in reliable devices that offer clear and stable recording. Another frequent error is forgetting to save footage promptly after an incident, as most dashboard cams overwrite old files in a loop.

Improper mounting is another issue that can lead to shaky or blocked recordings, making the footage ineffective. Also, don’t overlook the importance of rear camera coverage—many accidents happen from behind, and lacking rear footage can weaken your claim. 

Dashcam Footage Helps In Hit-And-Run Cases

Hit-and-run incidents are particularly frustrating for Indian car owners, as identifying the guilty party often becomes impossible without video proof. A resolution camera with a wide-angle lens can capture clear shots of fleeing vehicles, including number plates, helping law enforcement track down the offender.

Beyond just identifying the other vehicle, your dashcam footage validates that you were not at fault. Whether your car was stationary or struck from behind, the video provides undeniable evidence that can support both police investigations and insurance claims. In such scenarios, dashboard cameras aren’t just helpful—they’re essential.

Conclusion

The car insurance process in India still has its share of delays and grey areas—but dashcams are one of the best ways to bring clarity, speed, and fairness to the process. These small devices are cheap, easy to install (on a new or used car), and powerful when it comes to protecting your finances and proving your innocence.

Whether you drive daily through dense urban traffic or only take your car out on the weekend, a dashboard camera is now a must-have in 2025. You’re not just recording accidents—you’re protecting your time, money, and sanity.