What should you do if you’ve been hit by an uninsured driver?

There are around two million uninsured vehicles on the roads so if you’re hit by one of them, it pays to know what action you need to take. With around 300,000 convictions for uninsured driving being handed out every year there are still a number of culprits who are getting away with it. It is estimated that uninsured drivers are 10 times more likely to have drink-driving convictions, 5 times more likely to have had previous accidents due to careless or reckless driving. So are you wandering what to do if you are been hit by an uninsured driver? here is the answer.

If your car has been hit by an uninsured driver, you need to get in contact with The Motor Insurance’ Bureau (MIB) to discuss your rights of claim today. MIB is not-for-profit organisation that in the event of an uninsured accident claim, represents the rights of the victims of uninsured drivers. If you are legally insured, MIB can pay you compensation for personal injury and property damage. When involved in an accident with an uninsured driver it is important to know your legal rights of protecting your legal claim. You can make a claim if hit by an uninsured driver but there are certain things you must consider.

If you have comprehensive insurance cover, MIB advises you claim the repairs for property damage from your insurer. This way, your policy will include repair cost, irrespective of liability, and your vehicle will be fixed and fit to drive again as quickly as possible.

If you or your passengers have been personally injured, MIB will compile a report for you, maybe with the help of a rehabilitation team. If required, it will also help to ensure that appropriate medical care is given. In the event of a very serious accident, MIB will make sure all of the necessary costs are covered. If, for example, your rehabilitation means you have to make structural changes to your home, MIB will provide funds.

More and more commonly in the case of an uninsured driver accident claim, insurance companies are including what’s called an ‘uninsured driver promise’ in their policies. This means that the innocent party does not lose their no-claims bonus. When there is an uninsured accident claim, you will have to provide full details of the uninsured driver to your insurers, including car registration, model of car and so on.

On the downside, as information-gathering can be very time-consuming, the process of making a claim with MIB can be very drawn-out. Once liability has been established and evidence has been collected, you may still have to wait to see the full extent of whatever injuries have been sustained. You knew you were been hit by an uninsured driver and its not going to be easy one! and it isn’t really but there are measures which can help you recover and get back to normality.

Remember that whether you are at fault or not, any claim may lead to increased premiums when you renew your policy. Make sure to read your insurance policy carefully.

In the event of your no-claims bonus being affected or of you being charged an excess, you can also claim for this with MIB. So if you’re been hit by an insured driver its not the end of the work there are ways you can help yourself recover from the damage been caused.

If you have been hit by an uninsured driver and need more advice on your claim today, please contact One Call Accident Management now on 0800 999 4042.