Your camera system the independent witness
Your record of loss or ‘claims experience’ influences the insurance premium you as a fleet operator pay to insure your fleet. The introduction of fleet safety policies and technologies to reduce the frequency and severity of claims can help keep insurance premiums under control and at a manageable rate.  
To achieve lower claims and defend against fraudulent ones, fleet operators are rapidly adopting vehicle-mounted camera systems to act as an ‘independent witness’ of road incidents. This proactive adoption of vehicle camera systems serves as a powerful tool in reducing fleet insurance premiums.
6 ways vehicle camera systems improve your fleet risk insurance profile:
360-degree driver visibility: Externally mounted vehicle cameras can eliminate driver blind spots and give them a complete in-cab view of their surroundings via a monitor.
AI-based Collision Avoidance System: Embedded Intelligent Driver Assistance System (i-DAS) and DMS (Driver Monitoring System) to provide drivers with unparalleled awareness of vulnerable road users and distractions, such as pedestrians and cyclists, vehicles, and other hazards.
Driver condition self-awareness: Deep learning technologies can recognize when a driver is distracted or suffering from fatigue and alert them.
Driver coaching: Video footage of real road incidents is captured and shared in real-time with fleet management and can be used to support effective personalized driver coaching.
Independent witness: The camera system auto-captures any road incident and shares the footage with fleet management in real time providing indisputable video evidence. This means liability can be quickly determined.
Electronic First Notification of Loss (eFNOL): The efficiency of eFNOL (supported by a smart vehicle camera system) reduces the time insurers need for evaluating claims, and the insured losses decrease.
Streamlining claims processing with digital video evidence
The growing prevalence of ‘crash-for-cash‘ means that being able to refute false claims is more important than ever. With your independent witness, it means you can address insurance claims rapidly and avoid incurring unnecessary costs and increased renewals.  
Drivers are empowered with greater in-cab visibility and the latest AI collision avoidance technology reduces the frequency and severity of road incidents. This gives fleet operators and drivers peace of mind, as the collection of incident-related evidence is automated. 
The rapid sharing of video evidence of incidents electronically with insurers means that they can develop better-informed risk profiles of your fleet, passing on savings to you where appropriate and expediting the claims process. 
New England Mobile offers many different type of cameras for your fleet including all of the camera systems in this article. We can help guide you to decide which camera system best fits your fleet's needs. Contact us today if you want to find out more.
