Uninsured drivers in the UK are more prevalent than you may think at first. Each year, uninsured drivers cost other motorists around £380 million a year, which works out at approximately £30 on each individual's insurance premium.
Statistics suggest that around one in ten car drivers have been involved in some type of accident with an uninsured driver. This is of course worrying as your chances of being involved in one are quite high, so you should be aware of what to do in this situation and what the possible outcome may be.
If you have been involved in an accident involving a motor vehicle, whether you were a cyclist, pedestrian, driver or passenger and it was not your fault, then you may be entitled to compensation.
However, there may be occasions when there is either no insurance at all or the insurers can avoid the policy or refuse indemnity, due to a breach of a condition.
There will also be some occasions where the driver is untraceable, for example in a hit and run incident or where false details were given at the scene of the accident.
You can claim if...
- The accident happened less than 3 years ago - unless it is a claim for a child, which can be made any time up until the child reaches the age of 21.
- The accident was not your fault
- You have suffered injury, losses or expenses
