Another thing I'm surprised the insurance companies, with all of their government lobbying power, have not had the DOT mandate to the automotive industry, is having every new car sold be equipped with a tamper proof dash cam installed.
And have it automatically upload in real time to a cloud, or some such that would not allow the owner to tamper with it's operation, or recording ability. They would have live recordings of not only accidents, but the speed and manor which the driver was operating said vehicle.