It's bad enough being in an accident at all, let alone finding out that the driver to blame is not insured. But there are over one million uninsured drivers on the UK's roads, costing legally insured drivers millions of pounds.
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 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.
We believe that law-abiding insured drivers should not be penalised for the actions of uninsured drivers.
As long as you have comprehensive 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 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.
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.