Hola..!OK, first of all, driving, whether it be a car or bike or any other vehicle, without proper insurance is never a good choice. Come, I will tell you why! It is estimated by the IRC (Insurance Research Council) that nearly one-third of the seven drivers are uninsured even in developed countries. So, if an accident happens between an insured person and an uninsured driver, chances are that the uninsured person might face much of legal difficulties. Both settling the matter and claiming any type of damages. Can an Uninsured Driver Claim against me UK?
But there are also exceptions like, if the uninsured person has signed up for any coverage legally, it will totally change the game. Overall, this might seem a little bit tricky and confusing cause it varies from person to person and according to what type of accident you might have caused. So, to understand better, don’t take chances, just keep reading..! I am here to lead you!
Who is an Uninsured Driver?
To understand your case better, you should first come clear about the important aspects of the case. Unavoidable ferocious fated driver, you have met or you might as well meet in the future. No offense! Henceforth, an uninsured driver is someone without proper vehicle insurance or auto insurance. The operator is new to driving so he didn’t sign up for insurance yet. Maybe the person is not bothered at all to get insurance right from the beginning.
Sometimes people are so stupid that even after years of being alive and meeting up with many accidents. They still refuse to get insurance until something terrible happens and there comes an obligation. I really hope not but if by any chance, you meet with any accidents, you have to analyse the situation carefully before you take the next step. Let’s be wise right from the beginning, shall we?
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Can an Uninsured Driver Claim against Me?
Here we come to the main context! If the driver, even though uninsured, can prove that the fault was yours with some standard evidence, yes, he can claim against you. You will have no other choice but to accept the claims and pay for the damages. But, if the case is that he doesn’t have any solid evidence, even if the cause is your fault, you can still slip away from that situation.
It is estimated that only uninsured drivers cause nearly 26,000 accidents every year in the UK. The cost for operators with insurance is nearly £300 million, that is one of each 38 cars is not insured legally. If you are injured or your vehicle is damaged, you can confirm whether the other party is insured or not. Demand reimbursement from the Motor Insurer’s Bureau (MIB), or settle with the uninsured driver and let your insurance provider take care of the damages. It will be up to your choice. Don’t know how to contact MIB? Just scroll and roll..!
How to contact MIB?
So if you are a UK citizen, you may know where to find MIB and how to contact but in case, but if you are a foreigner, this passage may give you some hope. The Motor Insurer’s Bureau is located in the Linford Wood House, 6-12 Capital Drive, Linford Wood, Milton Keynes. You can also find more info about this organization and the info about the casualties of such cases relevant to yours on their official website: www.mib.org.uk.
Also ring the number: 01908 830001 in case of emergencies. You should also know that if the UK police catch you driving a vehicle without proper insurance, you will be charged £300 and additionally you will get 6 penalty points. So don’t go driving without claiming legal insurance in the UK if you are a foreigner.
Reduction/Refusal of Uninsured Driver Claim
Sometimes it happens that the uninsured driver might deny the claim or demand for the reduction of charges. So it would be better if you could snap some pictures of the damages right away as evidence so that you can claim compensation with the MIB. And be wary of the uninsured driver promise when you sign up with an insurance company cause only certain agencies to provide such perks.
If you are wondering what an uninsured promise is, it is a guarantee that you will get reimbursed if you are associated with an accident with an uninsured driver. Another thing you have to keep in check is that if you have a fire and theft cover on your vehicle, you can’t claim it with your insurance supplier. Also, know that the total MIB process may take a whole while so it is better to sign up with the uninsured driver promise when you are getting insurance.
What is the Payout for Personal Injuries?
You can claim payout for your personal injuries and damages through MIB and if proven that the fault is with the other party, he or she will get prosecuted properly. Even if it is a hit-and-run case, you can still receive compensation through MIB. So you don’t have to worry about that.
The payout will be estimated with many factors like the medical support and care you may require for how much period, the financial loss and medical disbursal, etc. I have listed out the approximate payouts for common injuries below as it might help. Keep up with me!
- Injured Arm – £19,000 for minor injuries to £40,000 for severe cases
- Injured leg – £25,000 to £50,000
- Finger – £4000 to £30,000
- Injured wrist – £7,500 to £35,000
- Injured neck- £8,000 to £130,000
- Brain injury – £12,500 to £300,000
- Injured bowel- £25,000 to £80,000
- Jaw – £8,500 to £30,000
- Injured knees- £13,000 to £45,000
- Injured hips – £12,500 to £75,000
- Nose – £2,500 to £5,000
- Shoulder- £8,000 to £50,000
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Closure
So bud, I guess you have a clear picture now as to the things you must do when you get into an accident with an uninsured driver. In the UK, you must hold insurance even when your vehicle is parked in a public place or when it is being used by a third party. So, keep all these facts in mind and don’t get into accidents.
Life happens only once..!.Use the time you have happily done something you love and remember always. Hence, the next time you hit the road, check whether you hold insurance with the uninsured driver promise in it. And as always, never forget to come back to us if you will have any further queries in the future. Have a great day..!