"He said, she said" - insurance company assigns a "no fault" to an accident, both parties (and their insurances) split the bill, both parties insurance goes up on next renewal.
Sorry to hear that, that is shocking - how can they get away with falsely reporting it stolen when the Police were on the scene as they would have details of it being stolen.
I highly recommend both front and back. One of the accidents my wife had (which totaled a $100K car) was a another driver to hit our car in the rear right corner, causing our car to spin out, bouncing off the concrete side barrier (think "PIT maneuver"). The police told me that was it not for the rear dashcam footage, they would not be able to determine who veered into whose lane.
Techs don't want to be recorded at work. I understand that. I actually unplug the dashcam (just pull the power cable from it) whenever I drop it off at service. It's also one less thing which they have to consider when diagnosing the car.
An automotive grade solution for this is not as cheap as the stick on. I bet the camera you got did not come with 4 year warranty, like the car does. Tesla has 8 cameras around the car by the way - they reuse the same cameras that they use for ADAS, but that required a more complex, and expensive hardware and software design - you have to split the video streams, encode them and then write to some storage, Tesla happened to have excess processing power for the Full Self Driving Computer. Also, even just writing the data was too much for their original infotainment system (it would slow down and sometimes crash), so that had to be upgraded (the current version which can play 3D games can do it no problem). Last but not least, we've had Teslas at home for about a decade, and despite some of them having the dashcam function, I always installed dedicated dashcams. Why, you may ask? Because dashcams are not Teslas primary business - it's a frill feature. They were not reliable - missing recordings, blank recordings, corrupted recordings, etc. Tesla guarantees nothing as far as dashcam recordings. Every time Tesla did an OTA update, there was a chance they added a new bug. I am not one to spend the time after each OTA update (which came as often as twice a week sometimes) to check whether the dashcam is still functioning reliably.
