Our produce company Fresh Point has them installed, the drivers tell me that once the light goes red as Mr. Ward was talking about, mgmt can look in on you at anytime, they tell me it cost a million per year I'm guessing for the fleet or opco to operate and maintain, as for insurance, I think the Eaton Vorad would have accomplished the same thing without having to invade a drivers privacy in the cab, I will more than likely hang my cap on the damn thing.
I really doubt the cameras have as much to do with insurance than it does with compliance with company policy, accountability, and determining fault, and deadening lawsuits by drivers. I'm sure it will be a form of entertainment for mgmt to watch me sing to the radio, pick my nose, and scratch my nuts, besides that I talk to myself all day, so they should get a kick out of that!
The Vorad system would have done more for determining fault than the cameras IMO, I have used the Vorad and felt secure knowing that if some asshat pulls directly in front of me, and slams on their brakes to turn left and I mowed them down, it would tell the story better than I could.
The cameras are what they are, a tool to inforce goofy ass policy.