Uninsured Drivers – What do I do if I’m in an Accident?
Driving on a road you never really know what to expect; being involved in a road traffic accident is bad enough. But having a road traffic accident that is not your fault with an uninsured driver is your worst nightmare. What should you do?
In any normal accident, it’s required that you exchange insurance details. Depending on the severity of the accident emergency services should be contacted first. In the event that a motorist doesn’t have insurance the Police will deal with that as driving without insurance is an offence.
Your own insurance will cover you but unfortunately any sort of claim including a non-fault one may affect your premium in the future. It depends on your insurer.
Your insurer will pay out to you for damages because of another motorist failing to have insurance, provided you have comprehensive cover. The insurer will then make a claim via the MiB to reimburse themselves. The MiB or the Motor Insurers’ Bureau started in 1946. It is a private company and guarantees compensation is provided for victims of accidents caused by uninsured drivers. It is funded by an estimated £30 a year from every insured driver’s insurance premium.
You will need to get the support of the MiB if you have third party fire and theft insurance because your insurer will not pay you any damages for your car – only comprehensive cover will help you. You must make a claim via the Motor Insurers’ Bureau for road traffic accident compensation.
Unfortunately during the past 12 months there has been a 10% increase in the number of compensation claims made against uninsured drivers. For the first time in a decade, the Motor Insurers’ Bureau has reported an increase in the number of claims made following accidents with uninsured drivers. This strange aberration might not be as strange when one consider that incomes are lower now than before 2007, and the rate of insurance premium tax has more than doubled since 2010. So is it a surprise that there are more uninsured drivers on the roads prepared to break the law?
The RAC added that while the facts need to be confirmed, there is a clear suggestion that the increase is due to more uninsured drivers on the road. Well, what else could it be than people blatantly not purchasing car insurance? Drivers have faced three increases in Insurance Premium Tax in two years – making it a genuine stealth tax on motorists.
Uninsured drivers represent a risk to everybody and changes of some description need to be implemented to stop this increase.