Comprehensive Car Insurance
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Car insurance. The problem with uninsured drivers . Part 2
Summary
Advice on what to do if you are involved in an accident with an uninsured driver.
Author: Anna Richardson
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 ( mortgage rates ) 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 ( motor insurance quotes ) 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 { life assurance } 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!