No matter how solid your car insurance policy may be, some people, unfortunately, aren’t quite as honest. In fact, we at Cuuver recently discovered that there have been over 118,000 uninsured drivers on the roads across England in the past four years – and these are just the ones we know about.

Hopefully, you will never need to make a claim on your car insurance, but if the worst should happen and you are hit by an uninsured driver, there are various things you can do. Here’s how to handle an accident with someone who has no car insurance.

Contact the Motor Insurers’ Bureau

Funded by UK motor insurers through their policy premiums, the Motor Insurers’ Bureau (MIB) exists to compensate victims of accidents that were caused by drivers who had no car insurance, or who could not be traced.

Did you know that up to £30 of your annual policy premium could be contributed to the MIB? They are there to help you should you get hit by an uninsured driver, so be sure to reach out to them. Be warned, however, MIB investigations can be quite slow, sometimes taking over a year to complete complex accident cases.

What if the accident was my fault?

Even if the person you hit was uninsured, if the MIB finds that the accident was actually your fault, your claim will not go through.

If the accident was your fault, you are liable to pay for all the damages to your vehicle, and theirs. If you have third party insurance, this should be able to pay for the repairs to the other vehicle. On the other hand, because driving without car insurance is a criminal offence, there’s a chance the uninsured driver will be prosecuted; this could mean their vehicle is crushed, so you may not have to pay for their repairs.

What if it was their fault?

If the other person did have car insurance, their insurance would pay for repairs to your vehicle and any medical costs you may need covering. This is the reason why third party insurance is a legal requirement.

In the case of uninsured drivers, you will need to claim on your policy. Some insurance companies are very fair when it comes to being involved in an accident with an uninsured driver that wasn’t your fault; as a result, they may waive your claim excess to prevent you from losing any money on your claim.

Some insurance companies also protect your no claims bonus so you don’t lose any no claims discounts for having to claim in this exceptional circumstance.

You should note, though, that many insurers will deduct some of your no claims bonus – if not all of it – and ask you to pay the excess while the claim is settled. Nonetheless, if you win your claim, the insurer should refund the excess and restore your no claims discount.

To compare car insurance policies from some of the UK’s leading insurance providers, visit today and ensure you are covered for any eventuality.

This should not be construed as advice and is for guidance only.