Uninsured drivers are ten times further likely to drink and drive and 3 times further likely to be convicted of driving without due care and attention. They also cause one accident every 6 months. In fact 1 in twenty motorists commonly drive with no insurance plan. It is thus not perhaps surprising that, one in ten of all motorists have been involved in accidents with uninsured drivers. The problem is what to do if you are involved in an accident through one?
At the event of the accident you’re unlikely to realise that the other driver is uninsured thus you will have to react in the regular path. Take a note of the other car’s make, model and registration number. Also note the other driver’s name & address – but whether he’ll provide you his correct details is probably unlikely! Nevertheless, always record what the other driver says. Unless you’ve this statistics you’ll have no leg to stand on while it comes to receiving some of your money back.
Also choose notes about the damage to the other auto & the accident scene. Taken into consideration to note road markings, road signs, light & weather conditions & as the other auto had its lights on – in fact as lots of detail whether possible. Then wheter you’re fortunate adequate to have an independent witness achieve their full call details. & if you happen to have a camera in the car, pick most pictures – & try and accomplish 1 by the other driver clearly in the picture. The police might love that 1!
When your insurance policy is comprehensive, your insurer pay for your car to be repaired but you can lose your no claims discount unless you have paid to guard it. But then there’s the issue of your excess insurance payment – that’s the 1st part of the repair cost you have to pay for. You will have to pay that unless you are lucky sufficient to have a policy that waives the excess payment if you’re hit through an uninsured driver.
For those of you by third reception auto insurance plan, you are in for a complicated occasion. Your insurer won’t pay for your repairs and, whether the other driver is uninsured, you are not going to achieve any money off him unless you could trace him and succeed in a court action. Even then there is no make sure that he’ll pay up! Your only guaranteed solution is to make a compensation claim to the Motor Insurers’ Bureau – but you’ll still have to pay the first £300 of the claim.
The Motor Insurers’ Bureau insists that have the other drivers’ car registration number and you must 1st report the accident to the police. Always ask the police for a copy of their accident report as the Bureau’s likely to ask to see it. The Bureau’s phone number is 01908 671681 or you can e-mail them on enquiries@mib.org.uk.
At the time The UK’ Law is being amended to crackdown on uninsured drivers. Not before event. Anyone keeping, not only driving, an uninsured vehicle nowadays faces a fixed £100 fine & can also have their car seized and crushed. Now the average fine for driving without insurance plan is only £170 & that’s hardly a punishment while auto insurance coverage costs numerous times further. Losing the car plus a fine of £100 is lots of extra realistic. Permit’s hope that the courts completely implement the crushing sanction!
A police spokesman said recently, “ Uninsured drivers are often guilty of multiple other driving related offences, for example having no driving licence or MOT certificate. We’re doing all things in our power to accomplish these unsafe & illegal drivers off our roads”. Read more other useful articles about short term auto insurance, auto insurance quotation and commercial auto insurance quotes
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