What You Need To Know: Claiming Against Uninsured Drivers

What You Need To Know: Claiming Against Uninsured Drivers

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by John Manning

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!

Car insurance companies hate uninsured drivers because they cost the industry millions every single year. This may explain why so many insurance companies refuse point blank to cover you for the negligence of those few. There are more incidents with uninsured drivers today than there has ever been, but still many car insurance quotes will not incorporate the possible cost of being hit by an uninsured driver.

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The first thing you should do right now is check your car insurance policy to make sure that you know whether you are covered or not should an uninsured driver ever hit you. Although most do not, some providers do offer you cover against uninsured drivers and make the claims process simple as a result. However, most car insurance quotes providers do not offer that luxury so you have to sort it all out yourself without their help.

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.

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The MIB was specifically set up to help law abiding drivers to get the compensation they deserved after an accident involving an uninsured driver. The compensation comes after they have taken legal action for you against the driver in question. However, you do have to follow their procedure to the letter to ensure that the time taken to do so is cut.

Firstly, you should double check that the individual is not insured by running a DVLA vehicle check and then lodging a formal complaint with your local police force. It is obviously an offence to drive without insurance but it is also one to refuse to give insurance details in the event of an accident. Even if you cannot claim with them, you should also tell your car insurance company about the accident so they know. This is a requirement of most policies.

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After you have done the above you can make a claim. You have to submit a form to the MIB and provide them with any and all information that can help them to trace the driver and bring a case against him or her. You can do this online or via post. You should make the claim as soon as possible to avoid unnecessary delay.

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.

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