What You Need To Know: Claiming Against Uninsured Drivers

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Have you ever been hit by an uninsured driver? If you have then you probably know the procedure regarding how to claim. However, if you are lucky enough to have never been hit by an uninsured driver then the idea might seem like a complete and utter nightmare to you. Well, it should be because it is if you have no idea how to claim for that and you realise that most car insurance quotes do not cover you for it!

All car insurance companies hate those uninsured drivers because their accidents cost them in the millions of pounds every single year. The damage they inflict is substantial and so it is no wonder that car insurance quotes do not include provision for cover against them a high percentage of the time. The possible cost is too much so you are literally left high and dry if it ever does happen.

You should firstly check your car insurance policy to see whether or not you are covered in the event of an accident involving an uninsured driver. If you are then you are one of the lucky ones that is just required to claim in the regular way via the provider itself. However, if you are not covered under your insurance company then you will have to pursue compensation by yourself.

Believe it or not, it can actually take you years to get your money back, and even then it may not be the full amount it cost you to repair or replace your car. Insurers that do provide cover for uninsured driver accidents will cover your costs minus the agreed excess. However, a lack of cover for that will leave you dealing with the Motor Insurance Board (MIB) instead.

The MIB is an organisation that was set up to help motorists that had specifically been in an accident with an uninsured driver. Although they do compensate you eventually via taking legal action against the uninsured party, you have to follow a set procedure first.

You initially need to make sure that the driver is not insured. You can do this through a DVLA check and should also make a formal complaint to the police. This is a must and should be made within 5 days. It is an offence to withhold insurance details as well as not have them! You should also tell your insurer anyway even if you are not covered because you do have to tell them about every accident.

You should then put in a claim with the MIB. You can download the form online and send it over the Internet or via post. You have to provide them with as much information as possible and then they will take it from there. You should claim as soon as possible to ensure that there are as few delays as possible.

Crashing thanks to an uninsured driver is a pain and can be a nightmare process. However, you already pay 30 pounds extra on your car insurance quotes because of them so make sure you get the money they owe you.