Car insurance. The problem with uninsured drivers

As many as 5 of drivers drive their cars uninsured. On average, an individual uninsured driver causes an accident on the roads twice a year. They are 10 times more likely to drive over the limit, and are 3 times more likely to be convicted of driving recklessly.The statistics are quite frightening, and indeed, uninsured drivers have a big impact on the roads. 10 of all UK motorists have experienced being in an accident with a driver who is not insured. In this article, we are going to discuss what you need to do if you are involved in an accident with an uninsured driver.It is likely that when the accident happens you will not be aware of the fact that the other driver is not insured. So that means you will have to do everything in the normal way. Jot down the other car’s registration number, make and model number. Also, you'll need to make a note of the other driver's name and address, although you may find out later that you were not given the correct details. In any case, you need to get the details, so the claim can be sorted out later. If you don't get the details, you may find that you have no comeback with your insurance company.It's also important that you write down exactly what damage was caused in the accident. Other things to note are road markings, the conditions such as the light and weather at the time, and any other notable circumstances. For example, did the other car have its lights on? The more details, the better. If you have a camera on you or your mobile phone has a camera facility, take a picture of the damage, and also get a picture of the driver next to the car. If you're really lucky, there will be a witness and you can also ask them for their details.If you have comprehensive insurance, you'll be able to have your car repaired, but unless your no claims discount was protected, you will then lose your no claims discount. However, you will have to pay the excess as agreed at the beginning of your policy. That is unless you have a policy that waives the excess payments in case of an accident being caused by an uninsured driver.If you have third-party insurance, it is more a problem if the other driver is uninsured. In normal circumstances, the other driver's insurance would pay for your damages, however in this case, you would need to try and trace the other driver and take that person to court to get the money to pay your repairs. Your insurer will not pay for your car repairs. You may not want to take this other person to court even if you can find them, so the only other solution is to go to the Motor Insurers Bureau. You can make a compensation claim from them, but you will have to contribute £300 towards the damages. It is absolutely essential that you have details of the other driver's car registration to seek help from the Motor Insurers Bureau. You must also have reported the accident to the police. The bureau is likely to ask for a copy of the police's accident report. So be sure to ask the police for a copy. You can contact the bureau on 01908671681 or by email: enquiries@mib.org.uk.British laws are currently being amended to deal with the problem of uninsured drivers. It reflects the growing problem in the UK at the moment. Anyone found to own a car that is uninsured is now to pay a fixed £100 fine, they may also have their car taken away from them and disposed of. On average, people caught driving without insurance have to pay a £170 fine, which we don't think is enough, especially taking into account the cost of yearly car insurance to the rest of us law-abiding citizens. We think that losing the car and having to pay a fine of £100 is far better as a punishment. A spokesman from the police, said recently: “Uninsured drivers are often guilty of many other driving related offences, such as having no driving licence or MOT certificate. We’re doing everything in our power to get these dangerous and illegal drivers off our roads.” About time we say!

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