Car Insurance Young Drivers-The statistics relating to uninsured drivers in the UK are very worrying indeed. It looks like as many as one in 20 drivers don't have valid insurance, each one of those drivers causing an accident, on average, every 6 months. They are also 10 times more likely to be driving while under the influence of alcohol, and three times more likely to drive in a way that endangers other road users.
Not surprisingly, around one in ten insured drivers have been in an accident with a driver who is not insured. This article will help you deal with the situation if it happens to you.
Not surprisingly, around one in ten insured drivers have been in an accident with a driver who is not insured. This article will help you deal with the situation if it happens to you.
At the time of the accident, it is unlikely that the driver will tell you that he's not insured. So you will have to take all the details in the usual way ? take their name, address, phone number and car details, and also the name of their insurance company. Most uninsured drivers will lie so in any case, ask for these details as your insurance company will expect you to have them.
It's also essential that you note down exactly what happened in the accident, and what damage occurred as a result. Also try and get a photo of the damage, it's a good idea to carry a disposable camera in your glove box for this reason, or many people now have a camera on their mobile phone. If possible, get the other driver into the picture too. Make a note of the surrounding environment, for example the weather, the lighting, and the road markings. It really is best to have too much information rather than not enough. Ideally you will be able to get the details of an independent witness who can back up your story.
What happens next really depends on your level of insurance. If you are fully comprehensive, then your car will be repaired at no cost to yourself, other than the excess fee you will have to pay. Some insurers offer policies that waive the excess fee to protect you in case of the other driver being uninsured. You may also possibly lose your no claims discount if you did not have it protected.
If your insurance only covers you for third-party, then you will have more trouble getting the damage paid for as your insurance company will not be prepared to pay for the repairs. You have the option of tracking down the other driver, which will depend on whether you were given the right contact details or not, and asking them to pay. You could even take them to court. If you don't want all that hassle, then you can claim compensation from the Motor Insurers Bureau. They help out drivers in these circumstances but you will still have to pay for the first? 300 of the claim, which is a lot more than the average excess. So it is likely that you will be out of pocket as a result.
The Motor Insurers Bureau will expect you to have reported the accident to the police and to have a copy of the accident report. It is also crucial that you noted down the other car's registration details, you won't be able to make a claim without them. To contact the Motor Insurers Bureau call 01908671681 or email: enquiries@mib.org.uk.
British laws are being examined at the moment so that higher penalties can be placed on uninsured drivers. The proposal is to have a car that is found on the roads without insurance towed away and crushed, and the driver hit with a ?100 fine. At the moment, people caught driving uninsured only have to pay on average ?170, which is a lot cheaper than a year's worth of car insurance! We are definitely behind the proposed changes in the law, and hope that they happen sooner rather than later.
The police are keenly aware of the situation: "Uninsured drivers are often guilty of many other driving related offences, such as having no driving licence or MOT certificate. We're doing everything in our power to get these dangerous and illegal drivers off our roads." A round of applause for the police!
Car Insurance Young Drivers
Getting into a car accident is automatically going to bring you a headache, but getting into one where the other driver doesn't have car insurance is going to give you weeks and weeks of migraines. Why does it seem like those people who can't even afford cheap car insurance can always manage to keep their gas tanks filled with gas?
So what exactly happens if you are in an accident and the person who is responsible for the accident doesn't have car insurance? Usually, that person will just get a traffic ticket for not having car insurance and be let off the hook. If the accident is serious, they might get a bigger slap on the wrist, but usually, driving without car insurance is not going to result in more than a big fine.
So why should the average person go out, spend a lot of time getting car insurance quotes, write a check every couple of months to keep the policy current, and spend a lot of money on car insurance when so many people don't do it? The answer is simple - the first time you cancel your cheap car insurance, you are going to end up getting into a crash with someone else that is uninsured. If it's your fault, you are going to probably end up paying out of your pocket for the cost to repair your car and their car.
Uninsured drivers cost the car insurance business millions and millions of dollars every year. Getting into a car crash is a really dramatic experience, but getting into a car crash with someone who isn't insured is going to be even more dramatic. You may be asking yourself whether or not your car is going to be repaired on time if the person who hits you doesn't have car insurance. Don't worry, if the person who caused the accident doesn't have car insurance and there is no way for them to pay for the damages, your car insurance company will usually step up and repair your car for you. It is probably going to take longer for you to get the check from them, but in the long run everything is going to go well.
You may also be wondering what is going to happen to your rates once you get into crash with an uninsured driver. If it wasn't your fault, your rates shouldn't go up. If it was your fault, of course the car insurance companies are going to do whatever they can to get more money from you. If they raise your rates too much, make sure to get car insurance quotes from other companies as see what the fair rates are. You may notice that there is about 15% difference in the lowest and highest car insurance quotes, which means that you can save quite a bit of money over the course of just one year.
No one wants to think about car insurance, car crashes and uninsured drivers. When thinking about these topics, we usually get a headache. Dealing with these topics is going to give you more than one headache because of all the paper work, money and the wasted time.