It all depends on how good a driver you are. I was in an accident recently without a dash cam and the insurance company settled because I couldn't prove the other car went through a red light. I just put a dashcam in both of my cars. I tend to be a truthful type, so if the accident was my fault, I'll take responsibility. I absolutely hate people who lie or won't take responsibility for their actions... Why should any of us be afraid of the truth if we don't do anything wrong?