What if you hit by uninsured driver
About one in five street car accidents involve an uninsured or untraceable driver, according to the Motor Insurance Bureau (MIB). On top of this, mishap expenses from uninsured drivers add around £30 to the cost of insurance. All in all, what happens if you get a chance on vacation by car and the driver either takes off or doesn’t have insurance? All is not lost. This is what you can do.
What if the uninsured driver hits me?
The main thing to do is to take as much detail as possible, including:
- Other vehicle make, model and registration number
- The name and the address of other driver
- The minute of any relative by witnesses
- Pictures and subtleties of any damage
Contact the police immediately and let them in because the other driver does not have insurance.
Assuming you were harmed in the accident, you have 14 days to speak with the police. If there is any property damage, you’ll want to do it within five days.
Drivers with comprehensive vehicle insurance can, however, make a point about their strategy – regardless of whether the interaction may be more muddled.
If you have a fire and an outside burglary, you can file a case with the auto insurance office. They spend a lot of time taking care of situations where not a single driver has car insurance.
MIB should attempt to recover accident expenses from the third party wherever possible.
Will the no-case price be guaranteed when an uninsured driver is injured?
If you are hit by an uninsured driver, you may in any case lose part of your no-claims bonus. This is on the grounds that the case has to be paid by your insurance institution without any insurance strategy for the driver to blame.
In any case, there are a few safety net providers that may secure a no-claims discount in current circumstances, so look at your strategy to find it.
What should I do if I hit an uninsured driver?
Assuming you take the blame for this situation, the other driver should have the warranty option out of your insurance strategy. The way they are uninsured should not change that.
Assuming you have a comprehensive car insurance strategy, you can also claim that you cover damage to your car.
However, you can in any case inform the police that there is no insurance. Call 101 or use a police force live chat office near you, assuming they have one.
What should I do assuming the other car swerved after hitting me?
In such circumstances, the different individual is an untraceable driver.
This is even more annoying, since there aren’t any exact details that you can follow in your backup plan.
In any case, you should contact the police and your insurance institution.
The MIB is there to handle claims where there is an untraceable driver. You can file a claim against an untraceable driver on the MIB website.
You will have to file any property damage cases within nine months of the accident. There will as a general rule a £300 surplus in these cases. Individual injury claims must be filed within three years.
Before the MIB can admit your case, you need to prove that the other driver’s negligence caused the accident.
This can include monitors, a CCTV movie, or a dashcam recording, assuming you have one. Taking pictures of the damage to your vehicle or the signs that appear as a result of the accident may also support your case.
Would my case be effective if we were to be hit by an untraceable driver?
The MIB must work with your insurance institution and the police to determine who is to blame for the accident.
Assuming they notice that you are to blame – either wholly or to some extent – they may dismiss or downplay your case.
However, they will not simply throw the case away in light of the fact that you cannot track down the other driver
There are some circumstances in which the MIB may be obligated to dismiss the case:
- Assuming you were traveling in a vehicle that you realize is unprotected.
- If you are traveling in a vehicle driven by an alcoholic driver.
- The accident occurred on a private street or an area where there is no complete vacancy.