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And some of the benefits indirectly affect your premium, which in turn helps keep your car insurance rates down.

(See "What you need to know about dash cams.") While merely owning a dash cam may not lower your car insurance rates, the footage that the camera provides may turn out invaluable in certain situations.

Until the New York Bill passes or an car insurance company steps up and offers a discount on its own, a dash camera car insurance discount isn't available in the U.

S., so it can’t directly affect your premium, but there are advantages to placing one, or more, dashboard cameras in your vehicle.

When auto insurers unknowingly settle fraudulent claims, all motorists pay hundreds of dollars extra each year because companies divide the cost of claims among consumers.

Mercury Insurance’s Special Investigations Unit (SIU) often uses video to fight insurance fraud.

Catching a fraudster in a staged accident, can indirectly lower your rates.

The FBI estimates that the cost of insurance fraud is more than billion per year.

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Reviewing how you drove in the last week can help you see ways to correct driving mistakes, such as braking too hard or switching lanes abruptly.

That gives current and future dash cam owners in U. hope: A few car insurance providers in the United Kingdom have begun to offer customers a 10 to 15 percent discount if a dash cam is installed in their vehicles. Most record hours of video in a continuous loop, with recent video replacing older footage, when the car is started.

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