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. Part 2

Author: Anna Richardson

What happens next really depends on

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your level of insurance. If you are fully comprehensive, then your car will be repaired at no cost to yourself, other than the excess fee you will have to pay. Some insurers offer policies that waive the excess fee to protect you in case of the other driver being uninsured. You may also possibly lose your no claims discount if you did not have it protected.

If your insurance only covers you for third-party, then you will have more trouble getting the damage paid for as your insurance company will not be prepared to pay for the repairs. ( cheap loans ) You have the option of tracking down the other driver, which will depend on whether you were given the right contact details or not, and asking them to pay. You could even take them to court. If you don't want all that hassle, then you can claim compensation from the Motor Insurers Bureau. They help out drivers in these circumstances but you will still have to pay for the first £300 of the claim, which is a lot more than the average excess. So it is likely that you will be out of pocket as a result.

The Motor Insurers Bureau will expect you to have reported the accident to the ( cheap car insurance ) police and to have a copy of the accident report. It is also crucial that you noted down the other car's registration details, you won't be able to make a claim without them. To contact the Motor Insurers Bureau call 01908671681 or email: enquiries@mib.org.uk.

British laws are being examined at the moment so that higher penalties can be placed on uninsured drivers. The proposal is to have a car that is found on the roads without insurance towed ( home insurance quotes ) away and crushed, and the driver hit with a £100 fine. At the moment, people caught driving uninsured only have to pay on average £170, which is a lot cheaper than a year's worth of car insurance! We are definitely behind the proposed changes in the law, and hope that they happen sooner rather than later.

The police are keenly aware of the situation: “ Uninsured drivers are often guilty of many other driving related offences, such as having no driving licence or MOT certificate. ( personal loans ) We're doing everything in our power to get these dangerous and illegal drivers off our roads.” A round of applause for the police!