Even though it is illegal, uninsured drivers are a monumental problem in the UK. It is estimated that nearly 4% of the drivers in the UK are currently driving without insurance, a fact which costs us around £500 million every single year.
By nature, these drivers are more likely to cause an accident because they will generally be less willing to abide by the rules of the road and more reckless with their, and your, safety. So if you are involved in a road traffic accident that isn’t your fault, there is a fair chance you could be the victim of an uninsured driver.
What do I do if I get hit by an uninsured driver?
First off don’t panic. They are the ones without insurance, not you. The Motor Insurers Bureau (MIB) is a non-profit organisation that has been set up for just this reason and is able to compensate those hit by uninsured drivers through a levy that has been compiled from insurance premiums paid by you and other insured motorists.
Of course this wouldn’t be necessary at all if there were less uninsured drivers on the roads and our insurance policies would all be much cheaper as a result but there is little you or we can do about that (unfortunately).
The MIB will be able to compensate you for any property damage as long as you are insured, regardless of how comprehensive your cover is.
Where does Accident Advice Helpline come in?
If you have been personally injured in the accident (either through whiplash or a more serious injury that has resulted in a personal, professional or financial loss) then you might also be liable to make a personal injury claim with us (after you have seen a doctor of course).
There is only so much the MIB can cover and we are more than happy to pick up where they leave off and help you gain the compensation you deserve for the physical and mental trauma sustained in your accident.
Accident Advice Helpline was founded 13 years ago with the express intention of helping victims of personal injury claim the compensation that was owed to them.
Our team of expert lawyers and solicitors is bolstered by a staff of trained advisers who are ready to speak to you either online (via our 30-second questionnaire) or over the phone via our 24-hour hotline.
We are a 100% no win no fee organisation that thrives on our client relations. Our team are caring, considerate and (above all else) wonderful at their jobs. So if you’ve been involved in an accident with an uninsured driver, call us now.
Date Published: October 20, 2013
Author: David Brown