If you have ever been hit by an uninsured driver then the whole event may have caused you heartache, a headache and even a little wallet ache! Claiming for the damage inflicted on your car is nothing short of a nightmare unless you are one of the very few lucky ones. If you have never been hit by an uninsured driver then you are undoubtedly lucky but you should still know the process because the vast majority of car insurance quotes do not cover you against uninsured drivers at all.
Car insurance companies hate uninsured drivers because they cost the industry millions every single year. This may explain why so many insurance companies refuse point blank to cover you for the negligence of those few. There are more incidents with uninsured drivers today than there has ever been, but still many car insurance quotes will not incorporate the possible cost of being hit by an uninsured driver.
The first thing you should do right now is check your car insurance policy to make sure that you know whether you are covered or not should an uninsured driver ever hit you. Although most do not, some providers do offer you cover against uninsured drivers and make the claims process simple as a result. However, most car insurance quotes providers do not offer that luxury so you have to sort it all out yourself without their help.
If you are not covered for it then it could potentially take years to get your money back in the form of compensation, and that does not always cover the full costs. You can claim whether your car is a write off or just in need of repairs. If you have an insurer offering cover against uninsured drivers then you will just have to claim in the normal way so you will get the full cost back within weeks. However, you otherwise have to go through the Motor Insurance Board (MIB) instead.
The MIB is an organisation that was set up to help motorists that had specifically been in an accident with an uninsured driver. Although they do compensate you eventually via taking legal action against the uninsured party, you have to follow a set procedure 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.
The process of going through the courts against an uninsured driver can be tedious because it seems to take forever. However, uninsured drivers add approximately 30 pounds to your premium every year as a result of the accidents they cause so make a stand!
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Young drivers - before you start searching for young drivers car insurance that covers against uninsured drivers read the resources section at APH in order to make it a young drivers car insurance policy that suits you.
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