When you are hit by an uninsured driver, the road user still faces fines and the risk of having their vehicle seized, even crushed. In spite of this, approximately five per cent of motorists do not have any insurance. Having a road traffic accident involving an uninsured driver could leave you with hefty bills to pay.
Fully comprehensive policies
If you have a fully comprehensive insurance policy, your insurance will pay for any necessary repairs to your car after a car accident involving an uninsured vehicle, but you could end up losing your no claims bonus. You will also have to cover your excess payment.
Third party cover
Matters are worse if you have third party cover and the other driver involved in your road accident is not insured. In this case, your insurance will not pay for any damages to your car. The only way to get any kind of justice here is to take the other driver to the small claims court, assuming the driver can be traced and actually has the means to make any kind of payment.
Top tips for getting justice
There are, however, a few things you can do to get justice and any personal injury compensation you may be entitled to after a traffic accident involving an uninsured road user.
At the scene of the motoring accident:
- Take details of the other vehicle; make, model, registration number
- Exchange names and addresses with the other driver, if possible
- Note down any damages to both vehicles and the scene of the car crash; junction, roundabout, name of road, and so on
- Note down details of road conditions; weather, light, road markings, signs, for example
- Get full contact details for potential witnesses
- If possible, take photos of the scene, vehicles and the other driver
If police are involved in your vehicle accident, make sure to ask for the accident report number or completed collision pack.
Having done all this, make your claim for passenger or driver injury compensation with the MIB (Motor Insurance Bureau). An organisation established in 1946, the MIB assists victims of negligent untraced or uninsured drivers get the compensation they deserve. Claims can be made via the MIB’s Website.
Finally, get an experienced Accident Advice Helpline lawyer to assist you in conducting your car accident claim. Highly recommended by well-known consumer champion Dame Esther Rantzen, our law firm has an exceptional success rate in securing compensation for people just like you. Enlist our help today by calling Freephone number, 0800 689 0500.
Date Published: April 27, 2015
Author: Accident Advice