A car accident is something that can ruin your day. Not only does the incident delay your schedule but a car accident also presents to the possibility of expenses that could cost thousands. Things get even more complicated when the person who is at-fault hits you and keeps driving. Contrary to what some may believe, it is possible to get cash after a “crash and dash” accident.
Liability Insurance Does Not Cover Hit-and-run Accidents
Your liability insurance policy does not pay for a “crash and dash,” which is better known as a hit-and-run accident. This type of policy only pays for accidents in which you cause damage. Liability insurance is meant to shield you from significant financial loss if you are clearly the party to blame. The plan does not factor in the notion of someone running into you and driving away.
Uninsured Motorist Protection Helps
An uninsured motorist protection plan works to ensure that damages caused by a hit-and-run driver do not come from your personal savings. This type of policy pays for the cost of damage made to your vehicle by someone who chooses to hit you and keep driving. You are still responsible for the deductible as established by your policy. Still, hundreds of dollars to get repairs started on your vehicle after a “crash and dash” are nothing compared to the thousands that you would be responsible for paying without uninsured motorist protection.
A Dash Camera Can Help You Get Cash
Many drivers suffer substantial loss after an accident that was not their fault. The possibility for significant financial loss is great even with uninsured motorist protection. It is because of the financial loss that comes with having to pay a deductible when a collision is not your fault that some drivers have chosen to invest in dash cameras.
Dash cameras are video recorders placed on the dashboard of vehicles that capture the flow of traffic as well as who may be at fault in an accident. The dash cam is especially instrumental in capturing license plate numbers.
You can report a hit-and-run accident to the police with more confidence that the perpetrators will be caught if you have a license plate number. The possibilities become even greater if you have a screenshot that physically identifies the driver. You can begin proceedings to file a lawsuit against a hit-and-run driver the moment that you get establish identity. A dash cam, then, has the power to help you get cash after a crash and dash accident.
A hit-and-run accident can ruin your day and cause your finances to go down a rabbit hole. Uninsured motorist protection can defray the cost of an accident in which you were not at fault. Make sure you contact an auto accident lawyer to look over your options and get justice. You will need more evidence if you hope to collect cash from the accident, though. A dash camera can help you identify hit-and-run drivers so that you can hold them financially responsible for the mess that they have created.