For commercial fleets, avoiding a big claim can be tricky — even when your driver did everything right. With fleets perceived as having deep pockets, criminals target commercial vehicles as a payout opportunity and in many standard accidents exoneration is difficult without proof. This increases indemnity payments and premiums for businesses with fleets. To protect your business, reputation, and drivers in this environment, fleets need dash cams that can capture the truth.
How do fleet dash cams help prevent false claims?
Dash cam video footage gives fleet-based organizations a powerful defense against litigation and fraudulent claims, ultimately reducing insurance liabilities. Instead of having to rely on one driver’s word against another, insurance companies and police officers can use dash cam footage to quickly see what happened.
Having AI dash cam footage in your corner clears up any question about who’s responsible. You have recorded video that shows, indisputably, that your driver isn’t to blame. As AI dash cams exonerate more commercial drivers, the greatest savings will come from the payouts fleets don’t have to make.
Fleets deploying Motive AI Dashcam see cost savings in litigation, driver exoneration, and false claim prevention.
| Motive AI Dashcam Customer | Results |
| Staker Parson | 96% incident exoneration rate50% reduction in review time, resolving disputes faster |
| Roush Industries | 100% exoneration rate |
| Sabel Steel | 100% driver exoneration rate for not-at-fault accidents$200k+ saved through driver exoneration$10k+ saved annually by preventing fraudulent claims |
| Duncan Oil | $4M savings in litigation costs |
| Estes Forwarding Worldwide | 98% exoneration rate |
Overall, since adopting dash cams, 80% of Motive customers surveyed report having been exonerated for not-at-fault collisions.
What are key dash cam features for combatting fraudulent claims?
Fleet dash cams like Motive’s use features like unmatched collision detection powered by world-class AI processors, and dual-facing camera views to provide fleet managers with indisputable evidence for combatting fraudulent claims.
Best-in-class collision detection
Before and after a collision, accuracy is critical — especially if a claim may be fraudulent. Look for a fleet dash cam that offers precise collision detection and instant alerts with video and detailed automatic collision reports.
Motive AI Dashcams detect 99% of severe collisions and automatically capture HD video clips that show the full context. Motive’s collision detection precision is hard to replicate. It brings together these elements into one system:
- Motive’s unique AI model development
- The Motive Safety Team’s filtering of false positives
- Robust dash cam hardware that captures footage even in catastrophic collisions
- More than six years of award-winning machine learning expertise
Dual-facing camera views
For the best defense against fraudulent claims, look for a dual-facing dash cam with separate lenses to record a view of both the road and the cab. According to the American Transportation Research Institute (ATRI), “Dual-facing dash cams exonerate drivers in more than half of insurance claims and nearly half of court cases.”
Dual-facing cameras add crucial details for claim investigations and driver exoneration. For example, if another driver falsely claims your driver was on the phone during a collision, you have video evidence showing, definitively, your driver’s actions.
Motive’s dual-facing AI Dashcams capture video of both the road and the driver’s actions, giving fleets a complete, high-definition account of every incident. As a result, AI Dashcams can quickly disprove staged collisions and false claims.
Human review
Motive’s AI model detects 15+ safety events with 99% accuracy. However, no AI model is perfect. That’s why Motive’s AI models are refined by the Motive Safety Team, made up of 400+ safety experts who watch every safety event video generated by the AI Dashcam to remove false positives and improve the performance of Motive’s AI models.
On average, within 60 seconds of a collision, Motive’s Safety team has reviewed the video, confirmed the collision, and pushed the event to the Motive Dashboard — triggering an email alert to managers. In contrast, competitors may take up to a full day to notify managers about a collision.
High-definition (HD) video quality
High-quality video footage at any time of day or night is pivotal when resolving claims or defending against staged collisions. The Motive AI Dashcam delivers high‑quality HD video with an ultrawide field of view at 30 frames per second (fps), providing clear footage day and night to support incident review, driver exoneration, and claims defense.
Having cameras on the bus helps with insurance. The camera is that other set of eyes for instant clarification in every incident.
Video recall
A dash cam that helps protect against false claims should store enough footage to cover an incident. It should also be able to record even when the engine is off.
The Motive AI Dashcam offers configurable storage based on video quality, with up to nine days of onboard recording and long‑duration cloud recall options. Battery backup recording ensures that critical moments are captured even when power is lost.
| Dash cam feature | Benefit |
| AI-powered collision detection | Detects severe collisions in real time so you can investigate incidents quickly and fight false or inflated claims. |
| Dual-facing camera view | Captures both the road and the driver to provide full incident context and stronger evidence in claims and court. |
| Human review | Combines AI with expert reviewers to filter out false positives so managers focus only on actual safety events. |
| High-definition (HD) video quality | Records clear, wide‑angle footage day and night so critical details are visible for investigations and exoneration. |
| Video recall | Retains enough historical, engine‑off, and backup footage so you can retrieve the moments before, during, and after any suspected fraudulent event. |
4 scenarios that show how dash cams protect against fraudulent claims and insurance risk
Below, Motive customers describe how using Motive’s AI Dashcams has protected them from false claims.
- Staker Parson disproves a false claim on site
In one incident, a Staker Parson dump truck driver slowed to navigate a turn. The car behind tried to overtake the dump truck, getting stuck behind two other cars. It caused a collision. Cristian Zuniga, telematics site champion for Staker Parson, explained how Motive AI Dashcam footage helped: “Our manager went to the site, video in hand, and showed it to the officer. The officer then shared it with the other driver. After watching the video, his attitude changed completely. We avoided a lawsuit all together.”
- Dash cams are the first line of defense against fraud for Sabel Steel
Sabel Steel frequently receives calls claiming damages caused by their drivers. They can swiftly verify the validity of such claims using the video footage, protecting the company from fraudulent claims. Diane Woodruff, DOT compliance and safety manager, described it this way: “The first thing I say to them is ‘Where and what time? I’ll look it up.’ Ninety-nine% of the time I don’t get a call back. You’re probably looking at $10,000 saved just this last year.”
- Meiborg Brothers quickly resolves false claims
Being able to effectively challenge false claims and swiftly resolve issues has become an invaluable asset to Meiborg Brothers. Safety Supervisor Sam Watts said: “With Motive, we’ve been able to fight numerous insurance and legal claims because we had definitive proof of what happened and who was liable.”
- Dash cam footage exonerated a Roush Industries driver
Motive AI Dashcam video has validated Roush Industries drivers’ professionalism, exonerating them in collisions three times in a year. ReShonda Spears, DOT compliance manager at Roush, said: “Now that we have dash cams, we can protect ourselves from liability so much more. One driver going into a gas station tried to say that we hit him, but he pulled in front of our truck. When we shared the dash cam video with police, it was an open-and-shut case.”
How to choose the right dash cam for your fleet
To find a fleet dash cam with features that will successfully protect you from fraud, do a hands-on evaluation with a dash cam trial and review outside research like the Motive-sponsored Virginia Tech Transportation Institute study comparing dash cam safety alert effectiveness.
Conduct a dash cam trial
Put dash cams to the test by doing a fair dash cam trial. These steps explain how to run a dash cam trial:
- Define success metrics, such as accurate alerts or false positives.
- Define unsafe behaviors, such as cell phone use, close following, or stop sign violations.
- Set up a fair, controlled test. Keep factors such as hardware conditions, installation, placement, and the time of day as similar as possible. Cover any vendor labels to prevent bias.
- Run the tests during a driver’s normal route. Test cameras for about two weeks. If you’re testing multiple cameras at once, rotate them so they have equal time in each position on the windshield.
- Analyze results. In Motive’s ultimate guide to conducting a dash cam trial, we provide templates that explain how to analyze your results:
- Note the safety events recorded by all the vendor dashboards.
- Verify whether each event is accurate.
- Record how often each system prompts drivers to correct unsafe driving behaviors.
- Note any false positives where video was captured without any unsafe behavior.
When RoadSafe Traffic Systems conducted a dash cam trial, they evaluated Motive and Samsara products side-by-side, measuring detection accuracy, platform usability, and team engagement. The results revealed that Motive surfaced more safety-relevant events during testing and provided tools that were easier to use and integrate into RoadSafe’s workflows.
Preventing fraudulent claims is just the beginning
Fleet dash cams can do so much more than protect your fleet against fraudulent claims. They can help prevent collisions, provide coaching, and detect unsafe behaviors with extreme accuracy.
The Motive AI Dashcam Plus uses industry-leading AI processing, running 30+ high-precision AI models at once. See how Motive’s products can improve driver safety across your fleet.
Frequently asked questions about choosing a fleet dash cam
Which dash cam features are most important if my main goal is prevention of fraudulent claims?
Look for a dash cam that provides accurate, AI-enhanced collision detection with human review, dual-facing camera views, and high-definition video quality day or night. With these features, a dash cam can provide clear evidence to protect your company and drivers against fraudulent claims.
How do I introduce dash cams — especially dual‑facing cameras — without harming driver trust or retention?
Show drivers that their privacy is valued to build trust. With the Motive AI Dashcam, managers have configurable camera options to protect driver privacy on and off the road using the Driver Privacy feature. Fleet managers should implement clear policies detailing what is recorded, who has access, and how data will be used.
Can dash cams help fleets do more than prevent fraudulent claims?
Yes. Beyond helping fleets avoid insurance risk from fraudulent claims, dash cams can prevent collisions, coach drivers, and build a stronger culture of safety. For example, the Motive AI Dashcam detects 15+ unsafe behaviors (such as cell phone use, close following, and drowsiness) in real time and sends in‑cab alerts so drivers can adjust right away.
Does it matter if a dash cam is standalone instead of integrated into my other fleet software?
Yes. When driver safety, telematics, equipment, spend, and workforce tools work together, fleets avoid fragmented data and disconnected systems that slow decisions and add admin work. An integrated dash cam becomes part of the unified fleet operations stack, which is easier to scale, measure, and justify in terms of safety and cost savings.
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