You may be a careful, considerate driver but then other drivers may be otherwise. When there is a collision between your vehicle and someone else's, it is usually your testimony against the other party's.

A common incident is when your vehicle collided with another in front. There may be valid reasons why you're not in the wrong, for instance, if the front vehicle rolled back and hit yours. But in almost all cases, it is assumed that the motorist in the back vehicle is in the wrong and his insurance company has to pay all damages, included hefty sums for the inevitable "whiplash" supposedly suffered by the front motorist.

The solution to clear up confusion is to have a video camera installed on the front windscreen of the car, just above the rear mirror attachment. Such a camera is recommended from local insurer DirectAsia.com.

The VisionDriveTM Black Box video camera is automatically started when you turn on the ignition key. As you drive, it records a wide 156-degree angle view of the front, so the movement of any vehicle or pedestrian that hits your front is captured automatically.

The built-in GPS module means that the captured recording will indicate the location and time of the incident. When there is an impact, the sensor in the camera will extract a video clip showing 10 seconds before the collision and 10 seconds after. You can transfer this crucial video as a digital file to your insurance company to help them in settlement dispute.

"This will protect the good driver from having to share liability when there was not sufficient evidence to determine who was at fault at the time of the accident," says Nicolas Facquet, principal officer of DirectAsia.com.

For motorists who intend to install the Korean-made device, they get a 4% discount off DirectAsia's car insurance premium as well as discounted price off the camera itself. Its costs $438 (UP$548) for the top-end model.