Car insurance. The problem with uninsured drivers
Summary
Advice on what to do if you are involved in an accident with an uninsured driver.
Author: Anna Richardson
As many as 5% of drivers drive their cars uninsured. On average, an
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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. ( personal secured loans ) 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 ( motor insurance quotes ) 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.
