Nowadays, filing an auto insurance claim has turned into a cat-and-mouse game between claimants and insurance companies. Apparently, most insurance companies are often sluggish when it comes to compensating car accident victims.
You might be paying your premiums on time, but your insurer may still want more proof before paying up. For this reason, it is not surprising that motorists are turning to video as a way of capturing evidence in case of an accident. This brings us to the big question – can a dash cam help you following an accident? Well, let’s find out.
What is a dash cam?
A dash cam is a small video camera mounted to the dashboard or windshield of your car. The purpose of the camera is to record anything that occurs when the vehicle is in motion. Some dash cams can also capture the happenings in the interior of the car, by providing both video and audio recordings. This may come in handy if you need more evidence for an auto insurance claim.
Should you get a dash cam?
As mentioned earlier, dash cams record everything that happened when driving. The video and/or audio recordings might become of great help to absolve you from any blame in case of an accident. Moreover, installing a dash cam in your car can help you make sound driving decisions, hence protecting you from potential harm. Therefore, if you are a frequent commuter, you should consider getting a dash cam to enjoy all the benefits that come with this gadget.
What can you capture with a dash cam?
The footage captured by a dash cam may include the date and time of the accident, the color and model of the vehicle (s), and the faces of the individuals involved.
With all these data at your disposal, it can be extremely difficult for your insurer to turn down your claim. However, if you were at fault, the details may work against you. In this case, you need to hire a car accident lawyer to help you.
Upsides and downsides of using a dash cam when filing a claim
Video footage from a dash cam can greatly help substantiate your claims for compensation. If the details are clear and indisputable, your insurance company may have no choice but to settle your claim.
Nevertheless, if the dash cam video shows that you were partly or fully at fault, you may be in for a long and protracted court battle with your insurance company. For instance, if you were speeding, using your cellphone, or even blasting music, the footage may work against you as far as filing a claim is concerned.
Get help from a car accident lawyer
Whether you have a dash cam or not, the surest means of filing a successful insurance claim is to enlist the services of an experienced car accident lawyer. The attorney will be able to review your footage and use the strong points to back your case.