Uninsured drivers are ten occasions extra likely to drink and drive and thrice more likely to be convicted of driving without due care and attention. In addition they cause one accident each six months. In fact one in twenty motorists usually drive without insurance. It’s subsequently not perhaps surprising that, one in ten of all motorists have been involved in accidents with uninsured drivers. The query is what to do if you’re concerned in an accident with one?
At the time of the accident you’re unlikely to grasp that the opposite driver is uninsured so you’ll need to react in the normal way. Take a be aware of the other automobile’s make, mannequin and registration number. Also word the other driver’s identify and deal with – however whether he’ll provide you with his correct particulars is maybe unlikely! However, all the time document what the other driver says. Unless you have got this info you may don’t have any leg to face on relating to getting a few of your cash back.
Additionally take notes concerning the damage to the opposite automobile and the accident scene. Bear in mind to notice road markings, highway indicators, gentle and climate situations and whether or not the other automobile had its lights on – in truth as much detail as possible. Then when you’re lucky sufficient to have an unbiased witness get their full contact details. And should you happen to have a camera in the automobile, take a number of photos – and attempt to get one with the opposite driver clearly in the picture. The police may like that one!
In case your policy is comprehensive, your insurer pay on your automobile to be repaired but you can lose your no claims low cost until you’ve paid to protect it. However then there’s the problem of your excess payment – that’s the first a part of the restore price it’s important to pay for. You’ll have to pay that unless you are fortunate sufficient to have a policy that waives the surplus cost in case you’re hit by an uninsured driver.
For those of you with third occasion car insurance coverage, you are in for a hard time. Your insurer will not pay for your repairs and, as the opposite driver is uninsured, you are not going to get any cash off him until you may hint him and reach a court docket action. Even then there’s no guarantee that he’ll pay up! Your solely assured solution is to make a compensation declare to the Motor Insurers’ Bureau – however you will nonetheless must pay the first 300 of the claim.
The Motor Insurers’ Bureau insists which have the opposite drivers’ automobile registration quantity and you could first report the accident to the police. All the time ask the police for a duplicate of their accident report because the Bureau’s likely to ask to see it. The Bureau’s phonephone quantity is 01908 671681 or you’ll be able to e-mail them on email@example.com.
In the intervening time The UK’ Law is being amended to crackdown on uninsured drivers. Not before time. Anybody maintaining, not just driving, an uninsured car now faces a fixed 100 high-quality and can even have their automobile seized and crushed. At present the common wonderful for driving with out insurance is simply one hundred seventy and that is hardly a punishment when automotive insurance costs many times more. Shedding the automobile plus a wonderful of one hundred is much more realistic. Let’s hope that the courts totally implement the crushing sanction!
A police spokesman said just lately, ” Uninsured drivers are often responsible of many other driving associated offences, equivalent to having no driving licence or MOT certificate. We’re doing all the pieces in our energy to get these dangerous and unlawful drivers off our roads”.
We say, go to it blues and two’s!
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