What to do
if you have an accident with an uninsured driver
Its a sad fact that a percentage of drivers
in the UK are uninsured. However, all is not lost if you are
unfortunate enough to be hit by an unisured driver. The motor
insurers bureau have a compensation scheme which can provide
compesation to victims of unisured drivers. Here is the process
you need to follow:
Make
sensible inquiries to see if the motorist is insured. This
will include contacting the motorist in person, and tracing
the registered keeper via DVLA and contacting him.
Make
a formal complaint to the Police. You are entitled to do this
as a refusal to give insurance information is a criminal offence
under Section 154 of the Road Traffic Act 1988.
Contact
your insurers. Your insurance policy requires all accidents
to be reported and your insurers may be able to trace the
other party's insurers. Your insurer also has access to the
Motor Insurers' Database which may contain details of the
motorist's insurers.
Advise
your legal expense insurers. If you have no insurance for
legal expenses, speak to your local solicitor concerning an
arrangement under which you can be protected against legal
costs.
Download
an
Application form from the MIB site and send it to MIB
providing as much information as you can about the motorist.
Collect
as much documentary information as you can concerning your
losses. MIB will also need details of any insurance policies
which you hold which may cover those losses. If your vehicle
has been damaged, try and get two alternative estimates, but
if the vehicle is not drivable one will be sufficient. Do
not delay your claim to wait for estimates to arrive.
