What happens if an uninsured driver hits me?
It's bad enough being in an accident at all, let alone finding out that the driver to blame is not insured.
In normal circumstances, when you get hit and the driver at fault is insured, your insurance provider will get in touch with their provider and come to an agreement about payment for repairs to your vehicle and compensation for any personal injury.
If the driver at fault has no car insurance then where do you stand?
Fortunately, the insurance industry recognise this is a serious problem and have a process in place to deal with uninsured drivers.
As long as you have comprehensive car insurance, you can make a claim for repairs to your vehicle through your own insurance company. If you are claiming for an injury as well, you may need to make a claim through the Motor Insurers' Bureau.
Will I lose my no claim discount?
Not usually. This is where the uninsured driver promise comes in. If your insurance company offers this promise then you won't lose your no claim discount or need to pay an excess if an uninsured driver hits you.
Do LV= offer the uninsured driver promise?
We believe that law-abiding insured drivers should not be penalised for the actions of uninsured drivers.
As long as you have comprehensive car insurance and the accident was not your fault, you won't lose your no claim discount and we'll cover your excess.
All we ask is that you tell us:
- The registration of the other vehicle
- The make, model and colour
- The driver's name and address
How do I find out if the other driver is insured?
The drivers of all vehicles involved in an accident are obliged to give their name and address to anyone with 'reasonable grounds for requiring them', if there is damage to property or people.
If the other driver is unable or unwilling to give their details, you can check to see if their car is insured using askMID.com.
This is a website set up by the Motor Insurers' Bureau that allows you to check the insurance details of other parties involved in a crash. You can even check their details whilst you're on the side of the road using your smartphone.
What is the Motor Insurers' Bureau?
The Motor Insurers' Bureau is a non-profit organisation, set up by motor insurers, that works alongside the police and the DVLA to reduce the number of uninsured drivers on the road.
They keep a database of every insured car in the UK, called the Motor Insurance Database (MID). The police and the public have access to this database to check whether a vehicle is insured.
In certain circumstances, they also help insured drivers to claim compensation from uninsured drivers. This compensation is paid for by the insurance premiums of drivers who do pay their insurance.
What to do if you have a car accident
Obviously the first priority is to make sure everyone involved is unhurt. If there are injured drivers or passengers, dial 999 and request an ambulance and the police.
If you have a low speed prang and no one is hurt, but your car is damaged, pull over if it is safe to do so and exchange details with the other driver. Make a note of where and when the accident happened and get the names and addresses of any witnesses. If you can, take photos of any damage.
There's extra useful information in our guide about what to do if you have a car accident.
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