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Many camgirls and amateur shooters are unaware of copyright laws and licensing, so they don't even think about it. However, ignorance of the law is not a defense.
If you are caught, you will have to pay in some way. ASCAP is NOT like the porn industry when it comes letting copyrighted material slip away unlicensed. They can, and will, prosecute.
Some musicians, and their labels, are more strict than others however . . . When I worked for EVH, he regularly sued individual strip clubs, carnivals and other small businesses that were using Van Halen tracks without license. Don't even think of using a Metallica or Judas Priest tune, or you'll have reams of legal notices and fees to wade through . . . While Motley Crue, White Snake and some other bands usually let it slide, unless it hits them in the face as being solely used for profit.
The best bet is either buying royalty free, as others have mentioned, or doing licensing direct through ASCAP. You can get some very well known ASCAP licenced music for smaller fees than you would think. (Why some TV shows/movies use particular band tracks, and not others.) The other options are creating your own music or working a deal for licensing (many times free) with a musician you know.
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