Shock-On-T
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I would and do. Most Teslas I've seen here in Sydney have no dash cam.Would you drive your Tesla in a high density area with no dash cams on?
The problem is that dash cams cost money, but they are only useful if:
- you actually have a crash or get robbed (?5%) and
- it was actually the other driver's fault (50%)
- it's not obvious from the accident who was at fault (?20%) and
- the other driver disputes fault (?30%)
So that's 0.05 x 0.5 x 0.2 x 0.3 = 0.0015 = 0.15% chance it will be useful to have a dashcam.
On all other occasions (99.85%):
- you'll never actually have any incident worth recording, or
- it will be your fault anyway, so the dash cam just further implicates you, or
- it will be the other driver's fault, but that would be obvious even with a recording, or
- the other driver will be honest even though their fault couldn't be easily proven
So, if the dash cam plus installation costs $800, and has a 0.15% effectiveness, it should only make sense when the potential damage is $800/0.0015 = $533,333.33.
But even in the worst case the maximum you'll have to pay is your excess, plus elevated premiums for a few years. If that adds up to more than $500,000 you should probably consider a different insurer