Proving Your Innocence: How Dash Cams Can Help You Save Money on Auto Insurance and Increase Your Recovery

Being in a car crash can be a stressful experience, but a dash cam can ease some of that stress. You and your loved ones could get hurt, and there can be major property damage to deal with afterwards. And if you are found to be “at fault” after the accident, your insurance premiums can go up. After an accident, you will need to deal with insurance companies and law enforcement who will determine which driver will be held responsible. Here at Rohan Law, we get calls from people who were deemed responsible for an accident but allege that it was someone else’s fault, not theirs. Sometimes, we can get their record cleared, but that is rare, because without physical evidence, the police and the insurance company’s decision is nearly impossible to contest. 

Protect yourself from false accusations with a dashcam

However, there is one thing that you can do to make the process easier before you are in a car accident: install a dash cam. Dash cams can help you prove that an accident was not your fault, which can spare you from being blamed for a crash someone else caused and can save you money on auto insurance premiums. In this blog post, we will discuss how dash cams can help you prove your innocence in the event of an accident.

Your insurance rates will go up if your driving record has an accident, citation or both

It is true dash cams have become increasingly popular in recent years. People use them for a variety of reasons but, most commonly, to protect themselves from other drivers. In the event of an accident, dash cam footage can be used as evidence to show who was really at fault. If you are involved in an accident and it is ruled that you are “at fault,” your insurance rates will go up. You will likely get a citation on your driving record too for a traffic violation, like failure to yield or following too closely. However, if you can prove that the other driver was actually at fault, you will not get a citation and your insurance company may not raise your rates. This is where dash cams come in handy

Your financial recovery after an accident will be higher 

The number one thing the insurance company can do to limit the value of the claim is to assign a percentage of the blame for the accident to you. We have a claim right now where the insurance company is assigning 30% of the blame for the accident to our client. If they were correct, that would reduce the value of the claim by 30%. We have dash cam that shows this is a complete lie. Without that video, we might not be able to prove the insurance company wrong. In other cases, the officer throws his hands in the air and says “I don’t know who is at fault.” If we don’t have any witnesses, then there is no claim at all. So having a dash cam can turn a case from $0 into a case of $25,000.

Get the proof you need of a dash cam