I work in insurance as a freelance accident investigator and confirm that insurers are in a chaotic mess of inefficiency. I have just ordered a car video recorder the size of a satnav which sticks onto the windscreen. It records HD video in a continuous loop onto an SD card, one hour of recording for each 1GB. It starts when the ignition is switched on and promises to be a fantastic independent witness and costs from US $49 for the basic to $84 for the deluxe, including a 4GB SD card and shipping.

Imagine if all young drivers had to have one of these? If all cars were fitted with one I'd be out of a job. Insurance companies should give a big discount to users, but of course they won't. It might even improve your own driving. Check it out at www.carcameradirect.com/?gs50carcameradvrprice-car%20camcorder