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Who Pays If I Have An Accident With An Uninsured Driver?



Having a car accident can be a stressful and challenging thing to sort out, and it can be made so much worse if you find out that the other driver is uninsured. We all rely on our car insurance to give us peace of mind in case of accidents, so it is natural to worry about what happens if the other party isn’t insured. Luckily, there are already protocols in place for what happens when you get into an accident with an uninsured driver.

Can you claim against an uninsured driver?

Obviously, if a driver does not have car insurance, you cannot simply claim for the incident with their insurance company. However, there are other ways to deal with the costs of an incident. The driver may choose to pay costs themselves. Alternatively, you can get in touch with the Motor Insurer’s Bureau. You may be able to claim compensation after the Motor Insurer’s Bureau has made an investigation.

What insurance do I need to cover myself if I get hit by an uninsured driver?

It is sensible to have comprehensive car insurance if you can. Fully comprehensive car insurance covers the cost of accidental damages to your car as well as the other parties in an accident. This means that even if the other driver is uninsured, you still have insurance that you can claim. For more information on making a claim with the Motor Insurer’s Bureau please refer to the following PDF


You stand a far better chance of finding a cheaper quote if you compare policies from a wide range of providers

What is an uninsured driver promise?

Uninsured driver promise is a term that some insurers use. It is generally where an insurance company offers to make sure that if you are involved in an accident with an uninsured driver and you are not at fault, your insurance company helps. This can include you retaining your no-claims bonus and not having to pay an excess. It is worth seeing what uninsured driver promise your insurance company has.

Does third-party car insurance cover me if I hit an uninsured driver?

Third-party car insurance generally only covers the costs of any damages done to the other party in an accident. It usually will not cover the costs of damages to your car, even if you hit an uninsured driver.

Are uninsured drivers a major risk?

There are a surprising number of uninsured drivers on UK roads. Statistics indicate that around one in five accidents involve uninsured drivers. This means that it is important to make sure your car insurance covers you and your vehicle in case of an incident with an uninsured driver.

Can I keep my no claims if I have an incident with an uninsured driver?

Many UK insurance companies will let you keep your no-claims bonus if you have a not-at-fault accident with an uninsured driver. However, you will need to check if this is the case. If you are worried about your no-claims bonus, you can opt to buy no-claims bonus protection.

This article is intended as generic information only and is not intended to apply to anybody’s specific circumstances, demands or needs. The views expressed are not intended to provide any financial service or to give any recommendation or advice. Products and services are only mentioned for illustrative rather than promotional purposes.

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