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When the Other Driver Has No Motor Insurance

By: Tracy Whitelaw - Updated: 22 Sep 2017 | comments*Discuss
 
Uninsured Drivers Accidents With

Uninsured drivers in the UK are more prevalent than you may think at first. Each year, uninsured drivers cost other motorists around 380 million a year, which works out at approximately 30 pounds on each individual's insurance premium.

Recent research has shown that uninsured drivers are more likely to be responsible for road traffic accidents and to ignore many of the road rules that keep other drivers and road users safe. They are ten times more likely to drive under the influence of alcohol and three times more likely to be convicted of unsafe driving in some form.

Statistics suggest that around one in ten car drivers have been involved in some type of accident with an uninsured driver. This is of course worrying as your chances of being involved in one are high so you should be aware of what to do in this situation and what the possible outcome may be.

At the Scene of the Accident

As with all accidents, you should take note of the other drivers car model and registration number. Get their name and address also and if you can, take note of any damage to their car and your own. If you can take a photo, that is even more beneficial and will show the weather conditions, road markings and other important points about the accident. If there's a witness, get their details also, you may need them at a later date, especially if you find out the driver of the other car is uninsured.

Speak to Your Insurance Company

One of the most important calls you can make, along side that of the police, is to call your insurance company and find out exactly what your policy covers. If you have comprehensive cover, your car and any damages to it should be covered. Sadly, you may lose your no claims discount here and many people are loathe to do so, especially when they've been involved in an accident that isn't their fault.

You may also have to pay your excess, which will vary dependent on what you agreed to in your policy. Some policies will waive any excess payment that you owe if you're hit by an uninsured driver, but these are very rare. If you don't have comprehensive insurance then you could find it more difficult to get your insurance company to help.

If you only have third party insurance, this means your insurance company don't have to pay for any repairs. The problem here is that if the other driver is uninsured then you're unlikely to be able to claim any money from him or her unless you pursue them in court. For most people, this approach seems to stressful and lengthy, so they approach the Motor Insurers Bureau.

The Motor Insurers Bureau

The Motor Insurers Bureau is an official body that exists to help motorists with claims that their insurance may not cover. They specialise in dealing with cases where the individual who caused the accident is uninsured or untraced. If you do intend to contact the Motor Insurers Bureau then it's mandatory that you have the other drivers car registration details. You must have also reported the accident to the police initially, so that there's an official record of the details of the accident.

If you have carried out this procedure, ask the police for a copy of their accident report as the Motor Insurer's Bureau will request this during the investigation of your case.

When you do contact them, they will make it easy to take you through the claims process and you can even submit a claim directly from their website. They will accept claims from you, your solicitor or an individual who has advised you at the Citizens' Advice Bureau. They'll consider claims for property damage or any injury you may have received exclusively - this means you're not able to claim from two individual places.

The best thing to do if you're unsure of your next step is call the Motor Insurers Bureau and ask for further advice. They understand the stress involved in being in an accident with an uninsured driver, so make use of their experience.

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[Add a Comment]
I have reversed into a car (my Fault) but the car i have reversed into has no tax or insurance. So that car shouldn't of been on the road legally. Where do i stand with my insurance. Will i still need to pay for the damage of the un-taxed and un-insured car. ??
SIB23 - 22-Sep-17 @ 2:01 PM
Rambo - Your Question:
Went out for my wife's birthday and police called me at the restaurant to inform me that someone has driven into both mine and my wife's cars writing both off.We found out by the police that the driver was not insured so my insurance company Are making us at fault drivers which is really unfair as this man will only be a small fine and 6 points no justice

Our Response:
Sorry we can't help much on this as we don't have all the facts. Will your insurer consider a legal claim against the other driver if your policy allows for it?
TrafficAccidentAdvice - 15-Sep-17 @ 11:36 AM
Went out for my wife's birthday and police called me at the restaurant to inform me that someone has driven into both mine and my wife's cars writing both off . We found out by the police that the driver was not insured so my insurance company Are making us at fault drivers which is really unfair as this man will only be a small fine and 6 points no justice
Rambo - 12-Sep-17 @ 9:35 PM
Hi, I had was involved in a car accident in 2010. I was driving my ex girlfriends car (she was in the car with me), when I lost control of the car in hit a residential wall and wrote the car off. Theach matter was dealt with and it resulted in me losing my licence and paid a hefty fine However, in December 2016 I received a letter fromantic my ex's insurance company who are trying to take me down the small claims route. Is this even possible? They haven't been in contact ever . Having looked into it there is a law of limitation act, I thought they would have 6 years from he accident to make the claim, however they are saying the law of limitation started in 2015. Can anybody give me a better understanding of this please?
bear89 - 30-Aug-17 @ 3:34 AM
danshell - Your Question:
Hi my son recently had collision which he felt was 50/50 the insurance have paid out as the car was a right off. we gave them the other cars reg and we was told that no one was injured.They paid out within two weeks. The police took over two weeks to take his statement, then two weeks after said that he had no case to answer to leave it to the insurance companies to sort. We have now had a call from his insurance company and the other party are trying to claim. Can they do this.

Our Response:
They can try and claim - he should just explain his version of events (which he probably already has) and let them sort it out.
TrafficAccidentAdvice - 12-Apr-17 @ 10:48 AM
Hi my son recently had collision which he felt was 50/50 the insurance have paid out as the car was a right off. we gave them the other cars reg and we was told that no one was injured.They paidoutwithin two weeks. The police took over two weeks to take hisstatement, then two weeks after said that he had no case to answer to leave it to the insurance companies to sort. We have now had a call from his insurance company and the other party are trying to claim. Can they do this.
danshell - 10-Apr-17 @ 12:20 PM
Toli - Your Question:
I had accident is not my fault but third party show uninsured my insurance contact his broker they say that car is not insured the insurer say is insured anyone can help me please

Our Response:
Not really. You may need legal assistance here if you cannot establish whether the other party has insurance or not.
TrafficAccidentAdvice - 24-Mar-17 @ 12:06 PM
I had accident is not my fault but third party show uninsuredmy insurance contact his broker they say that car is not insured the insurer say is insured anyone can help me please
Toli - 21-Mar-17 @ 12:13 PM
Driving down one lane road which 53 mtrs before petrol station goes into 2 lanes. I go to inside lane which is where I need travelling at 15-20 then a car from opposite side of road turns right into garage , someone on middle lane flashed them to turn. The person turning right thought he was crossing 1 lane so did not look left to see if there was any oncoming traffic causing me to crash into him. I injured my back although it took 2 days for the pain to start. the other drivers insurance want me to take 50% of the blame> I don't think I was to blame in any way, all I was doing was travelling down a straight road when someone appeared from nowhere straight across my path. Am I liable for any blame?
tiv - 30-Jan-17 @ 5:18 PM
I've had an accident few weeks ago where it was my fault, since then my insurance told me that it's voI'd after the accident but they still took the money for this month's insurance, and now they are claiming whiplash, what do I do? I'm so stressed that I now have to take something for it.
Soph - 20-Jan-17 @ 12:52 PM
I was in a road traffic accident which was not my fault but the other driver had no insurance my car went to a pound when I was in hospital and now my insurance will not pick it up because there is no one to claim off dose anyone know what I should do
Bailey - 30-Dec-16 @ 6:45 PM
A van drove in to me yesterday I did a check on his numberplate and it cum back it's got no mot will he get dun for it
Morris - 25-Dec-16 @ 7:49 PM
I was in a minor car Accidant call it a bump no damage no nothing, lass breaked and I bumped the back of her car, found out she had no MOT called up her insurance and they told me that her policy was void at the time of the Accidant, her insurance has told me to get in touch with my insurance and tell them send proof over of both cars and her not having mot and now that invalidated her insurance too, but she's still made a claim to my insurance for injury and loses plus car damage where do I stand cause my insurance is trying to play the fast one on me by saying they still have to pay but she wasn't insured bcz of the No MOT Where do I stand
Chelsea - 9-Dec-16 @ 3:09 PM
I've been involved in an accident. I wasn't at fault. The other driver has admitted liability. I've since found put I'm not insured.I recentlychsnged my car and the insurance wasn't transferred. Where do i stand?
Worried - 8-Dec-16 @ 8:50 PM
I work for a Local Authority and was driving my works van when I was in collision with an uninsured/unlicensed driver. The driver pulled straight out in front of me causing the collision, the police even took his car away. I subsequently thought I would do the right thing and inform my own insurance company for my own vehicle. I was shocked to be told that they are going to make a note on my policy that I was involved in an accident where I was at fault. This they said was due to no claim being able to be made against uninsured driver, so that means I'am at fault. I found this particularly annoying as there was no involvement with their policy or my insured vehicle. I simply though I was doing right by being honest. I have since made an official complaint, don't know if it will make any difference though.
Andy - 1-Dec-16 @ 9:47 PM
My hubby was driving,mydaughter and myself were passengers. The slip road hubby took as he came off the roundabout had white hatch lines with a solid line around them to the left, leaving a single carriageway to the main road ahead. Soon after leaving the roundabout, a van travelling quite fast drove up the hatched lines and hit our car on the passenger side as he ran out of road, damaging the door, wheel and front wing, The insurance company says the accident was my hubbys fault. Both my hubby and myself have over 40 yrs experience driving each and we both absolutely fail to see why this is. According to Rule 150 in the Highway Code, it is illegal to drive on a hatched area except in an emergency. Can any one throw some light and explain why my hubby was at fault?
Mcbc - 3-Nov-16 @ 6:34 PM
Hi,I was recently knocked off my bicycle whilst cycling on a roundabout by a car not giving way and joining the roundabout. I suffered some injuries and damage to my bike and belongings. I have since received a phone call from the police to inform me that the driver was uninsured and the vehicle had no MOT. So far, the damage alone, to my belongings is over £1000 and I have spent £40 on prescriptions for my injuries. As he is uninsured am I likely to be able to claim for theses costs?
Nickdawson - 17-Aug-16 @ 3:36 PM
Hi, I am insured on my fathers mobility vehicle, 18 months ago I was convicted of driving without insurance and did not think to report this to the insurance company. Yesterday I had a small accident where I was hit by another vehicle from behind. This was not my fault however the other driver does not accept liability, neither does he deny its his fault. Now coming to insurance matters, my policy will be void. What can be done, any help greatly appreciated. Thank you.
Sid - 17-Aug-16 @ 11:31 AM
I had an accident on November 2013 was not my fault but the third party was not insured but the was insured on different name the police arrested him (the driver ) I have made claim i got my car compensation from aviva but they don't pay my personal injury till today Anyone could help or five advice please Thanks
Faw - 30-Jan-16 @ 4:01 AM
Ofer - Your Question:
My mother was driving my car for very short time (20 minutes) but got a speeding ticketnow the police want her driving license and her insuranceshe come from abroad and I assumed her insurance covers her herenow because of the police letter I read on the internet and found out that I was committing offence any advice how can I make the punishment not as bad?

Our Response:
Firstly double check the terms of her insurance....it may cover her for using other vehicles with the owner's permission on a third party basis. You might be lucky and find that the police just check her licence and insurance documents and don't read them properly (this is unlikely of course). If further action is taken against you and your mother, you might want to find a good motoring lawyer as the CPS gives the following advice "Offences of causing or permitting the uninsured use of a vehicle should be regarded as being as serious as using a motor vehicle without insurance."
TrafficAccidentAdvice - 5-Nov-15 @ 11:39 AM
my mother was driving my car for very short time (20 minutes) but got a speeding ticket now the police want her driving license and her insurance she come from abroad and i assumed her insurance covers her here now because of the police letter i read on the internet and found out that i was committing offence any advice how can i make the punishment not as bad?
Ofer - 4-Nov-15 @ 3:50 PM
Red - Your Question:
I was hit by a Spanish lady who drove away from the accident in Oct last year. I chased her down and she said she was not at fault, when she clearly was in the wrong lane for the way she wanted to go. She didn't understand what insurance was as she was not from this country. I got her name, reg and a mobile number, reported it to the police thinking that was all I needed. Phone my insurance company and started the claim. My renewal is now due and they can't track down the lady with the details she gave me. So I have now lost my 4 years no claims bonus as it was not protected as I have an outstanding claim. Can you give me any advice or help to get my no claims re-instated as I am not to blame for this acciden. Thank you.

Our Response:
You need to take this up with your insurance company. You have given them all the relevant information after all. If you're not happy try the Financial/Insurance Ombudsman
TrafficAccidentAdvice - 10-Sep-15 @ 11:03 AM
I was hit by a Spanish lady who drove away from the accident in Oct last year.I chased her down and she said she was not at fault, when she clearly was in the wrong lane for the way she wanted to go. She didn't understand what insurance was as she was not from this country. I got her name, reg and a mobile number, reported it to the police thinking that was all I needed. Phone my insurance company and started the claim.My renewal is now due and they can't track down the lady with the details she gave me.So I have now lost my 4 years no claims bonus as it was not protected as I have an outstanding claim. Can you give me any advice or help to get my no claims re-instated as I am not to blame for this acciden. Thank you.
Red - 9-Sep-15 @ 11:08 AM
@busdriver. This is one for the courts to decide. Unfortunately there are many people who will try and claim for minor injuries via an accident/injury lawyer. Your mother may have to testify that the bump was not significant enought to cause an injury and the claimant should have to prove that it was.
TrafficAccidentAdvice - 15-Dec-14 @ 11:46 AM
My mother was backing out of a parking slot in a shopping center and very very slightly made contact with a car that was already straight in the aisle. It was my mother's fault, but when she got out, theyboth looked and saw no damage. The guy wanted to leave , but my mother said they should call the cops anyway. They did and gave their statements. The guy told the cop he had no damages or injury. Two months later, she got a letter in the mail she was being sued for bodily injury and has to go to court I think with the insurance company. I believe the guy stated that he went to his doctor for his injury. So my question is.... in court to prove physical injury, doesn't the plaintiff have to show proof that his doctor actually x-rayed him and that it did show a physical injury that was caused by this accident? Because I don't think anyone could just claim in court that they saw their doctor and just complained about an injury and then have the doctor just write that down and then use that as proof that it really existed.
busdriver - 14-Dec-14 @ 5:58 AM
@frustrated. If it's upsetting you, you could write to your insurer and tell them that the other vehicle did not have 4 persons in it at the time and that you feel they have falsely claimed. If the settlement has already been made, then it's unlikely they will pursue this though.
TrafficAccidentAdvice - 28-Oct-14 @ 10:11 AM
Hi, I was involved in a shunt with another car last year which was my fault. We both ended up with a broken bumper. The other driver claimed, and my insurer told me that 4 other people were claiming when I knew there was only 2 in the car. It has just been settled, am entitled to know what was paid out, will my insurer tell me? It would just make me annoyed if they got away with it! Thanks
Frustrated - 25-Oct-14 @ 1:51 PM
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