Hit by an Uninsured Driver
To drive a car on UK roads, you must have third party car insurance at the very least. Put simply, it is against the law to drive without car insurance. It carries an unlimited fine, if the case went to court, and up to eight penalty points on your license. Uninsured drivers are also at risk of having their vehicle seized and destroyed. Despite the serious consequences of driving without insurance, you could still be hit by an uninsured driver as uninsured and untraced drivers kill 130 people and injure 26,000 every year.
Making an insurance claim will be difficult if you’re involved in an accident with an uninsured driver and you’re not at fault. But as well as causing you extra hassle, it is estimated that fraud adds, on average, an extra £50 to the annual insurance bill for every UK policyholder.
What to do if you’re in a car accident
Whether the other driver is insured or not, if you’re involved in a car accident you should make a note of the following at the scene of the accident:
- The other driver’s vehicle make and model, and registration number
- The driver’s name and address
- The damage to the other vehicle
- The scene of the accident, including road markings, driving conditions, whether the cars had their lights on and car signals
- Contact details of and statements from any independent witnesses.
If you have a camera (or camera phone), take pictures of the scene and the vehicles involved should you need to refer to it later.
You should call the police if any vehicles are causing an obstruction, if people or animals are hurt, or if you’ve hit third-party property, such as a wall. You should also call the police if it becomes apparent that the other driver doesn’t have insurance because yo
u will need an accident report to make a claim through the Motor Insurers’ Bureau (MIB).
What to do if you’re in an accident with an uninsured driver
First and foremost, try not to panic. While that’s easier said than done, your insurer is likely to require some specific information from you to help with their investigations following an accident with an uninsured driver, so it’s important that you stay calm.
If you have fully comprehensive car insurance, you can claim from your insurer, although your no claims bonus may be affected unless you have protected it or your policy includes an uninsured driver promise. However, you can try to claim through the MIB and they may compensate your insurer for the claim – your insurer should reinstate your no claims discount and cancel any premium increase.