Involvement in an accident is every driver’s worst nightmare. Aside from the traumatising nature of accidents, the disruption that they can cause to your work and personal life, and the hassle and frustration of making a claim on your insurance, there’s also the inconvenience of not having access to a vehicle when you most need it. Dealing with each of these factors will mean that the last thing you will want to handle is an uninsured driver.
If you drive a vehicle in the United Kingdom, you are legally required to have valid motor vehicle insurance. The vast majority of vehicles that you see on the road will be properly insured. If you are in an accident and the other party was at fault then you will be able to make a claim on their insurance for the costs of the damages as a result of the accident. When the other person is insured, there are rarely complications in the claims process. However, if you are unfortunate enough to be hit by an uninsured driver then it can greatly complicate that process.
An accident involving someone who does not have insurance is a vehicle owner’s worst legal nightmare. It makes the process of claiming on your insurance significantly more complicated. It could lead to excess charges or a refusal on the part of your insurer to pay out the full amount of damages to which you would otherwise be entitled.
If you are hit by someone who does not have insurance, then it is of the utmost importance that you report the accident to the police and the DVLA. You will need to take note of the registration number of the vehicle, the time and place of the accident, and the circumstances in which it took place. Each and every one of these are important factors when making a case against the uninsured driver.
The precise circumstances in which you can make a claim against an uninsured driver are complicated and are not always easy to understand for someone who does not have knowledge of insurance law. That is why the Accident Advice Helpline is here for you. Our highly knowledgeable team of claim consultants are on hand to offer free and impartial advice regarding the validity and value of your potential claim. We will be able to talk you through all of the options that are available, and help you to further progress your claim when needed.
If we feel that you have a strong case then you will be referred to one of our expert insurance solicitors. We work with a team of solicitors across the United Kingdom, each with their own specialisation. When you are hit by an uninsured or underinsured driver, there is an expert here who is ready and willing to build a case for you. In most cases, you will not have to leave your home to work with us. Our experts will be here to make the claims process as easy and painless as we can.
Date Published: September 26, 2013
Author: David Brown