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Ri$k Happens: ‘Video or it didn’t happen!’

By Mary Ann Gormly, loss analyst, ARA Insurance

February 18, 2024

ARA InsuranceHow often have you seen that comment online in one place or another?

In the most basic of situations, the commenter just wants to see what you are talking about. They might believe you, but they want to actually see what you saw or experienced. Of course, there are others who don’t believe anything unless they see it with their own two eyes.

An accident was reported to the insurance company for a rental store. The driver who reported the crash insisted that the rental store truck came into her lane and sideswiped her car. She claimed to have a witness but didn’t have a way to reach them. She asked the claim adjuster to just trust her.

The claim adjuster spoke to the truck driver for the rental store who stated the other vehicle driver came across the line and hit him. He did have a witness, an employee in his passenger seat. Adjusters like to have independent witnesses who aren’t family, friends or coworkers of the parties involved.

The adjuster also spoke with the manager for the rental store who mentioned during their conversation that the truck for the rental store was equipped with a dashcam and asked if that would help.
The dashcam footage clearly shows the rental store truck driver maintaining their lane when the other driver entered their lane and struck the rental store’s truck.

This time, there was video footage to prove exactly what happened.

This item, provided by ARA Insurance, Overland Park, Kan., contains safety tips and is intended to help readers better understand and manage risk. For more safety and risk management information, customers of ARA Insurance can log on to ReSource. Access is free, so if you haven’t signed up yet, contact your agent or call 800-821-6580.