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Car Insurance: Involved in an Accident with an Uninsured Driver?

uninsured drivers are ten times more likely to drink and drive and three times more likely to be convicted of driving without due care and attention. It also causes an accident every six months. In fact, one in twenty motorists regularly drive uninsured. Hence, perhaps not surprising that one in ten of all motorists have been involved in accidents with uninsured drivers. The question is what to do if you are involved in an accident with one?

At the time of the accident, you are unlikely to realize that the other driver is uninsured, so they have to react in the usual way. Take some of the other car make, model and registration number. Also note the other driver's name and address - but if he gives you the right information is perhaps unlikely! But if what the dossier said another driver. If you do not have this information, you will have no legs to stand in terms of obtaining a share of the money back.

also take notes on the damage caused to another car and the accident scene. Remember to take note of road markings, traffic signs, lighting and weather conditions and if the second car had its lights on - in fact, as much information as possible. Then if you are lucky enough to have an independent witness, they receive their full contact. And if you happen to have a camera in the car, take lots of pictures - and try to get each other driver clearly in the picture. The police would like! If your policy is comprehensive, its insurance company pay for the car to be repaired, but can not lose their claims discount if you have not paid to protect. But then came the question of its payment, besides - is the first part of the cost of repair, you have to pay. You have to pay if you are not lucky enough to have a policy of abstention excess payment if you are affected by an uninsured driver.

For those of you with non-motor insurance, you 're in a difficult moment. His insurance company will not pay for its repair and, as the other driver is not insured, you will not receive any money from him if he can not trace him and succeed in a court of law. Even then, there is no guarantee that you will pay! His only solution is guaranteed to make a complaint to the Office of motor insurance - but you still have to pay the first 300 pounds of the claim.

Motor Insurers Bureau insist on receiving the driver of another vehicle and registration number, you must first notify the accident to police. Always ask the police a copy of their accident report to the Bureau's likely to demand to see it. The Bureau of telephone 01908 671681 or you can send them by e-mail to enquiries@mib.org.uk. At this moment the United Kingdom "law is being amended to repression against uninsured drivers. Not until now. Those who are not only driving, uninsured vehicles now faces a solid fine of ? 100 and may also have his car seized and crushed. Currently, the average fine for driving without insurance is only ? 170 and is not a punishment when the cost of vehicle insurance more often. Losing the car plus a fine of ? 100 is much more realistic. Hopefully the courts fully implement the penalty crushing! A police spokesman said recently, "Uninsured drivers are often guilty of many other related driving offences, which do not have a driving licence or MOT certificate. We are doing everything in our power to get these dangerous and illegal drivers on our roads. "

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