Uninsured drivers are ten moments more likely to drink and drive & 3 moments more likely to be convicted of driving without due care & attention. They also cause 1 accident every 6 months. In fact 1 in twenty motorists generally drive without insurance. It is therefore not perhaps surprising that, one in 10 of all motorists have been involved in accidents with uninsured drivers. The question is what to do if you’re involved in an accident by one?
At the occasion of the accident you are unlikely to realise that the other driver is uninsured thus you will have to react in the normal pathway. Take a note of the other auto’s make, model & registration number. Also note the other driver’s name & address – but whether he’ll give you his accurate details is maybe unlikely! Nevertheless, always record what the other driver says. Unless you have this statistics you’ll have no leg to stand on while it comes to obtaining several of your money back.
Also choose notes about the damage to the other auto and the accident scene. Taken into consideration to note road markings, road signs, light and weather circumstances and whether the other car had its lights on – in fact whether much detail whether possible. Then if you are fortunate enough to have an independent witness reach their full call details. And when you happen to have a camera in the car, choose lots of pictures – and try and get one with the other driver clearly in the picture. The police may love that 1!
When your insurance policy is comprehensive, your insurer pay for your car to be repaired but you could lose your no claims discount unless you’ve paid to protect it. But then there’s the subject of your excess payment – that’s the 1st part of the repair expenses you have to pay for. You’ll have to pay that unless you’re blessed sufficient to have a policy that waives the excess payment wheter you are hit through an uninsured driver.
For those of you through third reception car insurance, you’re in for a not easy event. Your insurer won’t pay for your repairs and, whether the other driver is uninsured, you’re not going to reach any money off him unless you can trace him & succeed in a court action. Even then there’s no make certain that he’ll pay up! Your just guaranteed solution is to make a compensation claim to the Motor Insurers’ Bureau – but you will still have to pay the 1st £300 of the claim.
The Motor Insurers’ Bureau insists that have the other drivers’ auto registration number and you should 1st report the accident to the police. Usually consult the police for a copy of their accident report whether the Bureau’s likely to ask to see it. The Bureau’s telephone number is 01908 671681 or you can e-mail them on enquiries@mib.org.uk.
At the moment The UK’ Law is being amended to crackdown on uninsured drivers. Not before occasion. Everybody keeping, not just driving, an uninsured vehicle nowadays faces a fixed £100 fine & could also have their auto seized and crushed. At this time the average fine for driving without insurance plan is only £170 and that’s hardly a punishment while car insurance costs many times further. Losing the auto plus a fine of £100 is much more reasonable. Let’s hope that the courts fully implement the crushing sanction!
A police spokesman said recently, “ Uninsured drivers are often guilty of numerous other driving related offences, for instance having no driving licence or MOT certificate. We are doing all things in our power to accomplish these unsafe & illegal drivers off our roads”. Read more other articles about auto insurance rate comparison and international auto insurance.
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