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.
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.
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
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. There are other cases, where 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.
If you have a dash cam installed in your car, and you are involved in an accident, you can provide the footage to your insurance company or law enforcement as evidence. This is especially useful if the other driver denies that they were at fault. The footage from your dash cam can help you prove that you were not at fault and, as a result, save you money on insurance premiums. If you are looking for a way to protect yourself from other drivers and save money on your auto insurance, we recommend getting a dash cam.
There are a wide variety of dash cams out there. We recommend the Rexing V1 Basic Dash Cam because it is affordable and works in almost any vehicle. This dash cam has a 1080p resolution and can start recording automatically when it detects motion. It also comes with a 32GB memory card, which is enough to store about four hours of footage.
If you are looking for a more premium dash cam, we recommend the Blackvue DR750S-HD. This dash cam records in full HD (1920×1080) and has GPS capabilities. This means that it can track your location and speed while you are driving. The Blackvue DR750S-HD also comes with Wi-Fi connectivity so you can connect it to your smartphone or tablet to view footage remotely.
No matter which dash cam you choose, make sure that it is mounted securely in your car so that it stays in place and doesn’t distract you while you are driving.
We hope that this blog post has been helpful. If you have any questions or would like to discuss your options, please contact us. We are always happy to help. Contact us any time.