How to Handle Non-fault Accident Repairs When the Other Driver Is Uninsured
Being involved in a collision with an uninsured driver might leave you feeling unsure about how you should approach the situation, especially when it comes to who fronts the repair costs. Fortunately, there are some practical steps you can take to protect yourself and your finances after this kind of incident. Whether you’re dealing with a hit-and-run or a driver who simply forgot to renew their policy, it’s essential to know your options.
Driving without insurance is more frequent than you’d expect. Even though some auto dealers provide “driveaway policies”, purchasing a new car may result in driving without insurance.
Driving another car coverage used to be standard in comprehensive policies but is becoming less common. Before you drive, make sure to verify your insurance certificate or contact your provider.
We’ve gathered some of the more common questions drivers ask after being hit by an uninsured motorist. We’ll also go through the process of handling repairs so you can better understand what to do in such a difficult situation.
How to Identify an Uninsured Driver
Identifying if a driver is uninsured is essential to prevent complications following an accident. First, you should request copies of their insurance documents, with their name and insurer’s policy number, and then confirm the details directly with the provider.
You can also use the Motor Insurance Database (MID) online service. All insured vehicles in the UK are listed in this database. If you know the car’s registration number, you can use the askMID phone service or do a free online check. This database is also accessible by law enforcement through remote devices.
You can request a more detailed inquiry that includes the policy number, insurer’s name, and claims contact information for the car from the MID for £10 if you’re looking to conduct a more thorough investigation. You must submit the registration plate information for you and the other driver.
This service is only intended for use after an accident. Verifying the other driver’s insurance status immediately helps prevent a lengthy, drawn-out claims procedure.
Claims Against an Uninsured Driver
It can be more challenging to file a claim after being hit by an uninsured motorist. However, depending on your coverage, it is still possible.
- Fully Comprehensive Insurance — You can submit a claim for repairs, but if it’s not protected, you might have to pay your excess, and this can also affect your no-claims bonus. Some policies will include uninsured driver coverage, which waives the excess and preserves your no-claims bonus, but you may see your premium go up when it comes time to renew.
- Third-Party Policy Holders — If you’re unable to file your claim via your insurance, you can make a claim by contacting the Motor Insurer’s Bureau (MIB). The MIB assists victims of uninsured drivers in seeking compensation.
What to Do After an Accident With an Uninsured Driver
Taking the right steps immediately after an accident with an insured driver can protect you from further complications. You’ll want to gather as much information as you can to help speed along the claims process. The key is to stay calm, gather all necessary information, and take the following important actions after the incident.
Gather All Information
- Record the time, date, and location of the accident
- Make note of the car’s make and model, registration number, colour, and any noticeable modifications
- Take photos and videos of the scene, including any vehicle damage, positions, and road conditions
Collect Any Witness Details
- Ask any witnesses to provide their names and give you their contact information
- Witness statements can be extremely helpful in supporting your version of events
Exchange Information
- Get the other driver’s name, address, and contact details
- If the other driver refuses to give their information or seems uninsured, inform the police immediately
Contact and Cooperate With Your Insurer
- Even if you are not sure if you should file a claim, still notify your insurance company about the accident
- Provide every piece of evidence you gathered to help build a strong case
- Your insurer will look into and manage the claim, working to recover any costs from the uninsured driver
- If you submit a claim, be prepared to pay your excess; your insurer may refund this if they recover costs from the other driver
Seek Medical Assistance
- If any injuries happened, seek out immediate medical attention right away
- Keep any records of treatment or injuries in case you need to pursue a personal injury claim
Repairs and Replacement Vehicle
- Your insurer may help arrange for car repairs or provide a replacement vehicle, depending on your policy
What Happens When I’m Involved in a Hit-And-Run?
If you’ve been in a collision with an untraced driver who flees the scene without leaving any information, your next steps will be based on your insurance coverage. You may still be able to receive payment from your insurance provider if you have complete comprehensive coverage. The MIB also pays claims against untraced drivers if you don’t have comprehensive insurance.
To compile proof, get witness statements, dash cam footage, CCTV images, and pictures of the damage. Try to remain calm and gather as much evidence as possible to support your argument.
Caversham Coachworks For Non-Fault Car Accident Repairs
At Caversham Coachworks, we understand how stressful it can be to deal with the aftermath of a non-fault accident. We are dedicated to making the car repair process as simple and hassle-free as possible.
With years of collaboration with insurance providers, we handle the paperwork and manage the claims on your behalf, saving you from dealing with the back-and-forth. We want to help you save time, reduce your anxiety, and reduce the costs of getting your car back on the road.
Our cutting-edge Caversham and Abingdon facilities can service any kind of vehicle, from the newest hybrid and electric models to traditional petrol and diesel cars. Regardless of what type of vehicle you drive, we are here to help.
Contact us today or use our free and easy estimator tool.