What happens when an uninsured driver hits me?

standoff after a fender bender

Uninsured Vehicles on UK Roads: A 2016 Snapshot

In 2016, it was reported that approximately 3% of all vehicles on the roads in the United Kingdom were uninsured, translating to just over a million cars. This situation poses multiple risks to insured drivers.

The Hidden Dangers of Uninsured Driving

Encountering an uninsured driver during an otherwise routine journey can quickly escalate into a stressful ordeal. Insured drivers in the UK often bear the financial burden, as their insurance premiums increase to offset the costs incurred by uninsured motorists.

Understanding the Financial Impact on Insured Drivers

The repercussions don't stop there:

  • If you get into a crash with a driver who doesn't have insurance, you might have to pay some of the cost yourself.
  • Whether you can retain your no-claims bonus in such situations depends on your insurer.
  • Lacking comprehensive coverage could mean you're personally responsible for any damage to your car.

However, some insurance policies offer protection against uninsured drivers, potentially sparing you from paying a deductible or losing your no-claims bonus.

Navigating Accidents with Uninsured Drivers

What to Do If You're at Fault

If you're at fault in an accident involving an uninsured driver, you might be liable for both vehicles' damages. While third-party insurance covers the uninsured vehicle's repairs, only comprehensive policies cover your car's repairs.

Steps to Take If Hit by an Uninsured Driver

If an uninsured driver collides with your vehicle, claiming for damages or injuries becomes challenging, as there's no insurance to claim against.

  • Seek eyewitnesses immediately following the event for their accounts and contact details.
  • Scour the vicinity for surveillance cameras or doorbell cams, and if available, include dash cam footage.
  • Document the scene with photos, particularly noting any paint traces from the other vehicle, as they can support your claim.
Seeking Compensation Through the Motor Insurers' Bureau

In any accident with an uninsured motorist, especially if you have only third-party insurance, it's crucial to report the incident to the police and notify your insurer. They can guide you in seeking compensation through the Motor Insurers' Bureau (MIB), although compensation isn't guaranteed.

The Legalities of Uninsured Driving

Penalties for Driving Without Insurance

Despite insured drivers indirectly covering the costs of uninsured motoring through higher premiums, driving without insurance is illegal and carries severe penalties.

Penalties include a £300 fixed fine, six licence points, possible disqualification, or unlimited fines if escalated to court. Uninsured vehicles can be seized and destroyed by police.

The Role of Technology in Enforcing Insurance Laws

Law enforcement uses advanced technology to detect uninsured vehicles, leading to significant consequences for offenders, including vehicle confiscation, destruction, fines, and driving bans.

The MID, updated with all UK insurance policies, aids the police alongside Automatic Number Plate Recognition (ANPR) technology in identifying uninsured vehicles.

If you have a car that's off-road and you don't wish to insure it, it's mandatory to make a Statutory Road Notification (SORN). Not declaring this could lead to fines for the car being uninsured or untaxed.

Driving without Insurance UK Government

How to Report Uninsured Drivers

Ensuring safety on the roads involves community vigilance. If you suspect a driver is uninsured, reporting them to the police can prevent potential accidents and protect insured drivers from financial repercussions.

If you come across an uninsured driver while driving, you have the option to report them to the police by dialing 101. Alternatively, several local police departments offer an online Live Chat feature, providing a convenient way to relay information while helping to ensure phone lines remain available for additional calls.

Protecting Yourself Against Uninsured Drivers

Comprehensive insurance policies, including features like the Uninsured Driver Promise, can provide peace of mind by covering incidents involving uninsured drivers without financial penalties to the policyholder.


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