Summary

The lowdown on the number of uninsured drivers and what to do if you are in an accident with one.

Car insurance. Uninsured drivers – bane of the roads

Author: Anna Richardson (car insurance)

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The statistics relating to uninsured drivers in the UK are very worrying indeed. It looks like as many as one in 20 drivers dont have valid insurance, each one of those drivers causing an accident, on average, every 6 months. They are also 10 times more likely to be driving while under the influence of alcohol, and three times more likely to drive in a way that endangers other road users.

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Not surprisingly, around one in ten insured drivers have been in an accident with a driver who is not insured. This article will help you deal with the situation if it happens to you.

At the time of the accident, it is unlikely that the driver will tell you that hes not (home insurance quotes) insured. So you will have to take all the details in the usual way – take their name, address, phone number and car details, and also the name of their insurance company. Most uninsured drivers will lie so in any case, ask for these details as your insurance company will expect you to have them. (mortgage deals)

Its also essential that you note down exactly what happened in the accident, and what (cheap loans) damage occurred as a result. Also try and get a photo of the damage, its a good idea to carry a disposable camera in your glove box for this reason, or many people now have a camera on their mobile phone. If possible, get the other driver into the picture too. Make a note of the surrounding environment, for example the weather, the lighting, and the road markings. It really is (personal loans) best to have too much information rather than not enough. Ideally you will be able to get the details of an independent witness who can back up your story.

Click here for part 2 (secured loans)