What You Need To Know: Claiming Against Uninsured Drivers | Personal Finance

By JohnManning
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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!

Car insurance quotes may or may not cover you for uninsured drivers because the individual providers hate paying for them. It costs them millions of pounds every year. This riles some to the point of not providing cover for that event. Of course, the fact that there are more uninsured driver accidents than ever before now will not bring your car insurance premiums down.

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 was established to help motorists that have been the victim of an uninsured driver. They do not directly compensate you but they will take legal action against the uninsured driver on your behalf to get compensation for you by way of the courts. The uninsured party will have no choice but to pay up eventually. However, you have a series of steps to follow first.

You must make sure that the individual in question is not insured via a DVLA check and you must also make a formal complaint to the police. You can do this if the driver in question has refused to give you his or her details as that in itself is a criminal offence. You must also contact your insurer as well. Car insurance quotes and policies state you have to tell them about all accidents.

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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Before you start looking for over 50 motor insurance that covers you against uninsured drivers read the resources section at APH in order to make it a cheap motor insurance policy that covers you for everything

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