The motor industry have yet again highlighted that one in twenty drivers on the road in England and Wales are not insured and that scores of death are caused on a weekly basis on our roads in England and Wales by those in control of a motor car without an insurance policy.
I believe that there are a number of reasons:
1.Very high premiums for young drivers
2.Increasing number of drivers from the Continent and other countries
3.The generous approach of the prosecuting authority when confronted with uninsured drivers on the
If you are unlucky to be involved in an accident with a possibility of the other driver not being insured it is of the utmost importance that you take the following actions at the scene of the accident:
1. Take photographs of the other driver and their motor car
2. Take a photograph of the number plate
3. If the driver stays at the scene take his name, address and his insurance details.
4. Call the police and demand that the other driver stays at the scene until the police arrive.
5. On many occasions the police will ask you to simply deal with it yourself. Insist that they attend even
if there is only damage to your car.
6. If there are witnesses, take their name, address and telephone numbers. If possible, write down what
they saw in a brief summary, paying particular attention to the other driver and his car and get them to
7. If the other driver is driving a commercial vehicle, take down his employers name and address. If there
is a name on the vehicle, please record and photograph it.
8. If your mobile has a video facility, please record the scene and the driver.
It is essential that you report this matter to your own insurer as soon as possible, even if you are only Third Party insured.
If you have a Comprehensive Policy, you could make a claim on your policy, leaving your insurer to pursue the other driver and/or his insurers. Of course this may then effect any no claims bonus you may have.
Motor Insurance Bureau (MIB)
It is important that you are able to identify the driver. There is, as you will see from our website, a significant difference in the way the MIB will handle your claim depending on whether it be an untraced driver or uninsured drivers claim. If you are able to identify the driver with his name and address, then your claim will be with dealt by MIB no different than a claim against an insured driver. It also has an impact on the amount of damages that you are able to recover and your legal costs.
The most important thing that we would recommend is that you take all reasonable practical steps to make sure that you acquire the identity of the driver.
Do not be disheartened if it is a hit and run case. Try to capture as many of the above as possible. Even if it is a hit and run case we may be able to (as your solicitors) identify the insurer or the owner from the registration plates.
As you will have heard from the coverage on 23 September 2009, it is now possible for the police to obtain simply from a registration number whether a particular vehicle is insured. Therefore, telephoning the police is of utmost importance.
If you have any questions or want to obtain further information on this area or particularly in relation to a car accidents you may have had please do not hesitate to contact us on our Freephone 0800 389 9136 or alternatively please visit Lawclaim.net to send us a claim enquiry form