Car insurance accident

If an Uninsured Driver Hits You What to Do-Car insurance accident

Currently, there is hardly a major deterrent; uninsured drivers face fines and bans, however, the fines won’t do too much damage to most people’s finances; £200 penalty and 6 points. Considering that insurance costs over £200, this doesn’t disappoint.Car insurance accident

Being run over by an uninsured driver is one scenario we all don’t want to be involved in; however, if this happens; here’s what to do to make sure you get back against this villain.Car insurance accident

The obvious downside to any collision with an uninsured driver is that you’ll have a hard time filing a claim; however, some insurance providers now offer “uninsured driver cover” meaning you won’t lose out on a no-claims discount or overage on your policy. Using a site like Moneysupermarket can help you shop around to find a provider that offers this protection.

The advice to follow is the same as for any crash; get as much information as possible:

• Name & address of the offending driver
• Car model and registration number
• Damage caused by vehicles and public property
• Check each road sign/marking to see who has the right of way/restrictions in effect.
• Witnesses – if you are lucky enough to have independent witnesses, ask for their full contact details
• Get photos of the damage to both cars, along with the faces of any of the other drivers, and every passenger in their car.
• Call 911 for the accident report number.

If you have suffered a personal injury, or your car has been seriously damaged, the way to get damages is to file a personal claim in small claims court; where you can claim up to £5000, or make a claim through the Motor Insurance Bureau (MIB) working with Police & DVLA to compensate uninsured/untraceable driver victims.

Be careful; any claims that make it through small claims court will be tested for merit, which can result in the errant driver paying back a minimal amount over a long period; so you may not always be fully compensated all at once.

There are some conveniences for those of us who do have insurance; in 2011 it would be illegal to keep an uninsured car unless declared off the road, and the penalties will be tougher for violators.

Also, the Police will impound the violating vehicle for a fee; along with the daily storage fee until sufficient insurance is taken and proven to the Police, otherwise the car will be destroyed.