It’s an unfortunate fact of life that not everybody plays by the rules and this extends to the rules of the road. Approximately 1 million people are believed to be driving without insurance in the UK and therefore it’s hardly a surprise when we hear of accidents involving them. Uninsured drivers pose a risk to all other road users but when an accident occurs who ends up out of pocket?
If you happen to be in a road traffic accident and the other driver is uninsured then, provided you have comprehensive car insurance, things should work out OK. It’s hardly a fair outcome but with comprehensive cover you should have insurance against accidental damage which means the claim can go through your insurer and there should be no change to your no claims discount. If you do find your no claims discount is effected then you can turn to the Motor Insurers’ Bureau to claim.
The Motor Insurers’ Bureau are also the body you need if you don’t have comprehensive cover yourself. They can help in the instances that you’re hit by an uninsured driver or an untraceable ‘hit and run’ driver and they can pay your claim. The MIB treats cases with uninsured drivers and ‘hit and run’ drivers differently based on agreements set in place by the government.
Personal Injury Claims and Uninsured Drivers
Uninsured personal injury claims also have to go through the MIB. Any damages paid out will be paid through them so they take responsibility for all claims and they expect proof that you were not at fault in any way for the accident. If there is evidence of you being partly at fault the amount available as compensation will decrease. A professional personal injury solicitor can help you prove this and show that an accident was the fault of the unknown or uninsured driver.
Penalties for Driving without Insurance
The risks of driving without insurance simply aren’t worth it and some of the penalties when caught include:
- Vehicle seized by the police and only released when a £150 fee plus £20 for each day it’s impounded is paid
- £300 fixed penalty fine
- 6 points in the driving license in addition to or as well as disqualification from driving
- Proof of insurance is required before vehicle will be returned
- Seized vehicles are sold or crushed after 14 days
There’s also the high possibility that the case will go to court and when this happens a maximum fine of £5,000 is possible as well as disqualification from driving.
With 1 million uninsured drivers on the road there is a significant chance anyone might run into one. 1 million equates to around 2.8% of all motorists on roads in the UK but this figure is dropping.
Any road traffic accident is traumatic and Lamb & Co believe that all those involved in an accident that wasn’t their fault deserve compensation. If you have been involved in an accident where the negligent party is not insured then Lamb & Co can help you make a claim whether it’s against the driver or referred to the MIB.