Car Insurance. Involved In An Accident With An Uninsured Driver
Below is a MRR and PLR article in category Finance -> subcategory Insurance.
What to Do if You're in an Accident with an Uninsured Driver
Summary
Uninsured drivers pose significant risks on the road. They are ten times more likely to drive under the influence and three times more likely to be convicted of careless driving. Shockingly, one in twenty motorists drive without insurance, leading to a high probability of accidents. If you find yourself in an accident with an uninsured driver, here's what you should do.Immediate Steps After the Accident
You might not immediately realize the other driver is uninsured, so follow the standard protocol. Record the car's make, model, and registration number, and attempt to get the driver's name and address. Even though the information may not always be accurate, it's crucial to document everything the other driver says.
Also, note details about the damage, road signs, lighting, weather conditions, and whether the other car had its lights on. If there are witnesses, get their contact details. If you have a camera, take plenty of photos, including one of the driver if possible, as this can be valuable for police reports.
Insurance Implications
If you have comprehensive insurance, your insurer will cover the repairs, but you may lose your no-claims discount unless it's protected. Be prepared to pay the excess, unless your policy specifies it's waived for accidents involving uninsured drivers.
For those with third-party insurance, the situation is tougher. Your insurer won’t cover repairs, and seeking compensation from the uninsured driver can be challenging. Your best bet is to file a claim with the Motor Insurers' Bureau (MIB), but you'll need to pay the first £300 yourself.
Reporting to the Motor Insurers' Bureau
The MIB requires the uninsured driver's registration number and a police report. Always ask for the police report because the Bureau will likely request it. You can contact the MIB at 01908 671681 or email enquiries@mib.org.uk.
Legal Developments
UK law is tightening sanctions on uninsured drivers. Now, even owning an uninsured vehicle can result in a £100 fine, and the car could be seized and crushed. Previously, the average fine for driving uninsured was £170, which is negligible compared to the cost of insurance. The updated penalties aim to enforce stricter consequences.
Final Thoughts
A police spokesperson emphasized that uninsured drivers often face other legal issues, such as lacking a license or MOT certificate. Efforts are underway to remove these dangerous drivers from the roads.
Let's support these initiatives and keep our roads safer.
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