Uninsured drivers are 10 moments extra likely to drink and drive and three moments further likely to be convicted of driving without due care and attention. They also cause 1 accident every 6 months. In fact 1 in twenty motorists normally drive with no insurance plan. It’s hence not maybe surprising that, one in ten of all motorists have been involved in accidents through uninsured drivers. The question is what to do if you’re 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’ll have to react in the ordinary way. Select a note of the other auto’s make, model & registration number. Also note the other driver’s name & address – but whether he’ll offer you his correct details is perhaps unlikely! Nevertheless, usually record what the other driver says. Unless you’ve this info you’ll have no leg to stand on when it comes to obtaining some of your money back.

Also pick notes about the damage to the other auto & the accident scene. Remember to note road markings, road signs, light & weather situation & as the other auto had its lights on – in fact whether much detail as practicable. Then if you’re blessed sufficient to have an independent witness achieve their full get in touch with details. & when you happen to have a camera in the auto, decide most pictures – & try & achieve one by the other driver clearly in the picture. The police might like that one!

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 protect it. But then there is the issue of your excess insurance payment – that is the first part of the repair cost you’ve to pay for. You will have to pay that unless you are lucky adequate to have a policy that waives the excess payment if you’re hit through an uninsured driver.

For those of you by third wedding reception car insurance plan, you are in for a hard occasion. Your insurer won’t pay for your repairs and, whether the other driver is uninsured, you’re not going to achieve any money off him unless you could trace him and succeed in a court action. Even though then there is no ensure that he’ll pay up! Your only 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 must first report the accident to the police. Usually consult the police for a copy of their accident report as the Bureau’s likely to discuss with to see it. The Bureau’s phone number is 01908 671681 or you could e-mail them on enquiries@mib.org.uk.

At the time The UK’ Law is being amended to crackdown on uninsured drivers. Not before time. Anyone keeping, not just driving, an uninsured vehicle today faces a fixed £100 fine and can also have their auto seized and crushed. At this time the average fine for driving with no insurance coverage is just £170 & that’s hardly a punishment while auto insurance costs multiple moments more. Losing the auto plus a fine of £100 is much extra reasonable. Let’s hope that the courts fully implement the crushing sanction!

A police spokesman said recently, “ Uninsured drivers are often guilty of many other driving related offences, for example having no driving licence or MOT certificate. We are doing everything in our power to accomplish these risky & 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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