Really interesting topic Paul - I never considered the need for a camera but those videos have really made me think about getting one!
My sister had someone run in the back of her a few months ago. If it wasn't for a couple of witnesses stopping, I'm sure the guy would have tried arguing it (though, how far can your argument go if you've run into someone from behind at a junction?) But those witnesses won't always be there, or be willing to stop.
I guess it's also helpful if you aren't involved in an incident but manage to capture something that might be of use to the police.
Pay day is Friday - think my car is going to have some money spent on it
Good point when it comes to gathering indisputable evidence. You'd have thought it was clear cut but it doesn't always work that way it seems. When someone kindly hit the back of my car in April my insurer took the stance that I was in theory equally responsible until they could establish fault. Fair enough and establishing fault appears to ultimately mean a verbal or written admission from the other person and/or their insurer.
You can't always now assume it's the other parties fault if they hit the back of your car, and insurance company's certainly like to make that known to the customer/claimant now. My insurer is a major one and they suspended my excess and no claims etc and spent plenty of time explaining how I'd suffer if they couldn't establish fault elsewhere. In my case getting that admission out of the numpty who hit me and his insurer wasn't straight forward. I ended up doing most of the leg work over four months after the incident and even the Police got involved. However, the footage and information from the camera, photo's, diagrams and notes I wrote down after I believe saved the whole thing going pear shaped. The camera is just one part of it that certainly helped.
However, I would also say don't assume. Take a view that you need to build a case and evidence strong enough to argue it soundly regardless of type of incident and don't assume it'll all be settle quickly and without issue Don't leave you insurer entirely to their own devices, keep tabs on the claim/process.
Another example or two - One of my colleagues was rear ended this year in his Mini and after what appeared to be a clear cut case the other party decided that no, they weren't actually present. Not a clever move as my colleague submitted video and stills footage that was geotagged, date and time stamped along with his claim. It's conclusive and my colleagues insurer agrees. However they never bothered to keep my colleague posted on the latest twist and he only found out by chance after I prompted him to keep tabs on his claim, at which things were starting to get out of control.
Likewise my father had a minor incident recently. It turns out incidents where both parties are reversing are almost always assumed to be 50/50 blame. In my father's case a careless neighbour reversed into the side of his car. Both were reversing but my father was not at fault and had nowhere to go or means of avoiding it. The neighbour held his hands up and said my fault too. A camera may well have helped but it took more effort to convince my father's insurer to look over it again properly, at which point they agreed and went for a 100% claim against the neighbour. Again, if it wasn't for keeping tabs on the process the whole thing would have been unfairly viewed as 50/50 or gone south even further.
The camera I fitted is one of the best buy I've made this year. It's peace of mind and in some cases those I might film around me - my own little extra insurance policy. I'm a sensible'ish chap in my 30's, never had any points or brushes with the law and love my cars and Fes. Folks can crash into me (I'd prefer not), drive and behave in a dangerous or threatening manner. It's up to them, I don't mind as much now as it's on camera. Recommended addition to any car. I also read recently one or two insurers are now offering discounts if you have a camera. Perhaps all cars should be fitted with them but that's a duscission for another day.