| Being involved in a road traffic accident is difficult | | | | the vehicle including the address, the registration |
| enough to cope with but when you are hit by an | | | | number and the policy details. |
| uninsured driver, things become a lot worse. | | | | - If you feel that the details given to you may |
| It often isn't clear as to what happens when you | | | | not be correct, contact your insurer and they will |
| are hit by an uninsured driver, well if you have a | | | | be able to check the Motor Insurance Database |
| fully comprehensive policy then you will be | | | | to find out. |
| covered for the damage caused to your vehicle. | | | | - Never admit to the accident and avoid throwing |
| However you will have to pay the agreed amount | | | | accusations at the other person, remain calm as |
| of excess and you may be at risk of losing your | | | | the uninsured driver may withhold information and |
| no claims bonus if you are unable to trace and | | | | redirect blame. |
| recover the amount from the uninsured driver. | | | | - Use your mobile phone to take pictures of the |
| Unfortunately if you have any form of third party | | | | driver and the vehicle |
| policy, you are not covered for the cost of the | | | | - If there are witnesses, try to get them to give |
| repair to your own vehicle but you should still | | | | you there details incase their account of events is |
| inform your insurance company of the | | | | needed. |
| circumstances. | | | | Police carried out enquires in 2004 that found |
| 1/3 of people in the UK have driven at some | | | | 80% of untaxed vehicles also had no insurance. If |
| point without insurance. It is said that uninsured | | | | you are caught in an accident with a driver who |
| drivers make up 5% of motorists and one in ten | | | | has no insurance, you could face a long battle to |
| of us have been involved in an accident with | | | | have your costs paid. |
| them. Uninsured drivers cause more accidents and | | | | Before you do anything when it comes to claiming |
| cost the Motor Insurance Bureau 500 million last | | | | compensation you should get legal advice. You |
| year, however only 16% are convicted. | | | | should speak to personal injury lawyers who will |
| Uninsured drivers are six times more likely to | | | | be able to guide you through the claims process |
| drive non road worthy vehicles and are nine times | | | | and tell you whether you have a good shot at |
| more likely to be involved in an accident. They are | | | | having a successful compensation claim. |
| more likely to be involved in hit and run and often | | | | The best and most efficienct way of claiming |
| make up the accidents that are due to not paying | | | | compensation is through a no win no fee claim. If |
| attention. | | | | you are successful in your claim your fees are |
| If you are involved in an accident with an | | | | repaid from the other side and if you are sadly |
| uninsured driver you should: | | | | unsuccessful you will have no fees to pay, |
| - Call the police immediately | | | | meaning you don't lose out. |
| - Take the name of the driver and the owner of | | | | |