Many individuals associate black boxes with airplanes, but the truth is these instruments are no longer a key tool only for investigating airplane accidents.
The event data recorder (or EDR), as the black box is officially known, is getting a lot of credit for the recording of car accidents as well.
Some people have expressed their worries about privacy issues, but the utility of car black boxes reaches far beyond the insurance area.
Because it can record events and actions of the drivers, such as speed, turns or braking, the black box is without a doubt helpful for both the police and insurance companies regarding the reconstruction of the events that occurred before an accident and also brings a series of benefits for the owner of the vehicle.
As mentioned, the event data recorder collects all sorts of data, from speed to sudden turns to whether the driver has pressed the brake pedal all the way or fastened the seatbelt. The collected information varies from one vehicle to another; still, one aspect is certain: the black box usually records five to ten seconds before a collision.
While the EDR's are already installed in cars, with many people being completely unaware of having them, there are also cases where drivers voluntarily choose to use such recording devices for their protection. There is another type of black box, also known as a video data event recorder or dashcam, which can be installed on the windshield and functions also as a camera and GPS. The collected data is way more accurate since it also contains information about time, location, direction, and driver's view and it is securely stored on an SD card.
Benefits of a Car's Black Box in Miami
Car black boxes can help determine the cause of an accident and the events that led to it. This information is very valuable, especially when no witnesses are present at the accident scene or when each driver has his or her version of the event.
The benefits of using an event data recorder in the vehicle exceed the disadvantages of not having one in basically all aspects. A car black box can get you into trouble if you are a reckless driver, but it can also save you from a bad situation. As an example, if an accident occurs without any witnesses, reconstruction may be difficult, but with the black box on your side, it would be easy to prove your innocence.
Insurance companies are very interested in the wider use of car black boxes, as the information gathered from the device offers a lot of valuable data about drivers. Some companies even went far enough to provide discounts for those who possess and EDR. A black box can also represent relief for worried parents, as a young driver's behavior in traffic will be more responsible, knowing the vehicle is monitored.
Car Black Boxes Privacy Facts
Event data recorders can prove to be quite a rational feature for vehicles, considering that more people die in car accidents than in airplane crashes. Some civic groups have expressed their worries regarding privacy issues, suggesting that the devices could easily be used to spy on car owners.
Now that we are aware that a black box only records data about the speed, accelerating, decelerating, braking, or sudden turns over the last 5-10 seconds before an accident and not the conversation from the car, these concerns over privacy do not seem so justified. Generally speaking, an event data recorder does not violate a driver's privacy.
Black Box Insurances
Black box insurances, also known as telematic premiums, are a type of insurance that uses raw data to determine the amount one pays for coverage. The insurance can offer different discounts on the paid amounts, by using real-data about the driver to determine the premiums. However, this can go both ways, as reckless driving can increase the risk of paying more money for insurance.
Also, using a black box can be effective in that drivers can be charged for their insurance based on the miles they drive, car owners driving fewer miles than the national average can find themselves paying less. The device also assesses a driver's style by monitoring braking, the types of roads one usually travels, and the times of day or night a person typically uses the car, by building up a complete and accurate profile.
Overall, the telematics data can be used for making the roads safer. The collected data will always be gathered only to assess the insurance risk, help in case of an accident, help track the location of the car in case it is stolen, or manage certain claims.
Four Types of Drivers in Miami That Would Most Benefit from a Black Box Insurance
In the insurance world where premiums are based on driving behavior, it can be quite popular to try and reduce the cover costs.
We list here four types of drivers who could benefit from having black box insurance:
- As young drivers are statistically the most likely to be involved in accidents, premiums can be high. Black box insurance enables the companies to suit each person based on their real driving habits, rather than relying on statistics.
- If someone recently passed the driving test and has limited experience on the road, it is possible to be considered as high risk by insurance companies, regardless of age. Telematic insurance can help these people pay cheaper premiums, as everything will be about how or when they drive.
- Black box insurance can potentially reward patient, safe, and careful drivers with lower premiums. Insurance companies can assess how drivers anticipate traffic and follow the rules of the road. So, the better a person drives, the less money they pay.
- As driving late at night is thought to be much riskier, daytime drivers could be rewarded for driving during low-risk periods. A few insurance companies have great discounts for those who drive only during the daytime.
Are Miami Car Accidents an OSHA Recordable?
The Occupational Safety and Health Administration (OSHA) faces many difficulties when determining whether an injury is work-related and questions about vehicle accidents during working hours or a commute to work are often under debate.
According to OSHA, they have never classified those injuries that occurred during an ordinary commute to or from work to be a recordable injury. Even if a person is driving a company car when they get into a car accident, this situation does not make it a recordable work injury. Work-related injuries are considered those accidents that happen during employment, where transportation of goods or traveling to a business meeting are involved. There are some exceptions to this case, as well: for example, if an employee makes an unscheduled stop during working hours and suffers an injury due to a car accident, his injury would not be considered work-related.
Involved in a Car Accident in Miami? We Can Help
If you have been involved in a serious car accident in Miami, you should contact The Law Offices of Sean M. Cleary. We have the personal dedication and legal knowledge to ensure that you receive the representation you deserve.
If you are unsure your accident qualifies you for receiving compensation, you can discuss your case with our Miami car accident attorney by calling us.
This can prove to be an advantage, as it will lead towards making informed and wise decisions and taking the required, logical steps to protect your interests.