If you have been in an accident and struck by an uninsured driver, the car insurance the complaints process can be tricky.
Fortunately, figures from the Department for Transport show that UK roads are among the safest in Europe.
But uninsured drivers pose a serious risk to the safety of other drivers, and all drivers end up footing the bill.
Count the cost of uninsured drivers
the Office of Automobile Insurers (MIB) was established in 1946 to compensate victims of negligent and uninsured motorists.
The MIB maintains the Motor Insurance Database (MID) – a record of all active motor insurance policies in the UK.
every year thousands of people are injured or killed by uninsured drivers and without the right insurance their compensation comes from the Bureau of Automobile Insurers
this invoice is paid by the insurance premiums of all law-abiding motorists
evidence suggests that uninsured vehicles are routinely used to commit crimes and are more likely to be involved in a collision
the non-profit organization is also working alongside the DVLA to issue automated warnings to owners of registered vehicles that appear to be uninsured through the Continuous Insurance Enforcement Program (CIE)
motorists can check for free if their vehicle is listed as insured on the MID, by visiting www.askmid.com
How many uninsured drivers are there in the UK?
It is estimated that there are at least one million uninsured drivers in the UK. According to the MIB, every 20 minutes someone in the UK is injured by an uninsured or unlocated ‘hit and run’ driver, many of whom suffer life-changing injuries.
this equates to 26,000 injured each year, or nearly one in five traffic accidents.
in 2019, over 137,000 vehicles were seized across the UK because they had no insurance, with London, Birmingham, Manchester and Bradford among the worst affected areas
once a driver is found without insurance, there is a £ 300 fine and six penalty points on their license, but they can have their vehicle seized and face court with an unlimited fine and a driving ban among the possible outcomes
What is the cost of uninsured driving?
Driving without insurance is illegal and is punishable by a fine of up to £ 5,000
Uninsured drivers promise
Some insurers provide protection against uninsured drivers by including a feature in the policy, often referred to as an uninsured driver contract or promise.
these types of policies provide protection if you are struck by an uninsured driver or an unlocated driver, which means you generally won’t lose your insurance premium or have to pay a deductible if you do. a claim against an uninsured driver.
not all auto insurance policies include this extra level of protection, so it’s best to check with your insurer to see if you are covered.
Can I make a claim against an uninsured driver?
If you’ve been in an accident or been struck by an uninsured driver or an unlocated driver, your auto insurance claim will become more complicated than a standard claim.
your insurer cannot recover any repair or replacement costs from the driver’s insurer
this is also the case when your car has been damaged by an unlocated driver (for example when another driver has crashed into your parked car and left the scene without being identified), or when your car has been subjected to theft, vandalism or weather damage
Can I claim my auto insurance if my car has been vandalized?
Vehicle vandalism is at its lowest level, with fewer than 700 incidents reported per year. The bad news is that it cost motorists another £ 1.9bn last year.
Vandalism is a criminal offense, but because the driver is an unlocated driver, you may need to claim your own insurance
if you have full auto insurance you should be able to make a claim
you may need to pay a deductible
you will need to report it to the police and get a crime reference number
How do I make a claim against an uninsured driver?
There are two options for making a claim against an uninsured or unlocated driver, and each can have a different effect on your long-term auto insurance costs.
Comprehensive coverage and claims for uninsured drivers
If you have comprehensive insurance, you can claim any damage from your own insurer.
By making a claim through your insurer, it is likely that you will lose some or all of your no claims bonus – remember, your no claims bonus is based on whether you have made a claim. , not if you were responsible for the incident.
your bonus will not be affected if you had bonus protection at the time of the incident
if your policy included an uninsured driver clause, you will not lose your bonus and may not have to pay a deductible on your claim
Even if your bonus remains intact, your insurer may increase your premium when your renewal expires.
Claim by the Bureau of Automobile Insurers
If you don’t have comprehensive insurance or need to make a claim for an injury after being struck by an uninsured driver, you may want to make a claim with the Motor Insurer’s Bureau (MIB) instead. only through your own insurer.
The MIB compensates victims of uninsured drivers. By claiming through the MIB, you will keep your bonus and your premium should not be affected, thus preventing your car insurance costs from increasing.
However, claims through the MIB can take up to 18 months, so you may need to pay for repairs or replacements before being reimbursed if your case is accepted.
claims for property damage, including damage to vehicles, are also subject to a £ 300 deductible, and the MIB is unable to compensate for property damage when the driver has not been found – for example in a hit and run
Can an uninsured driver claim against me?
Yes, if the accident is considered to be your fault, your insurance will pay.
However, they also risk being prosecuted or fined for not having insurance.
Will I pay more for auto insurance after making a claim against an uninsured driver?
It is likely that your auto insurance premium will increase after an accident or a claim.
There are several simple steps you can take to lower the cost of your auto insurance premium, including increasing your voluntary deductible, adding a named driver to your policy, or switching your car to one from a lower insurance group.