Hit by uninsured driver

Driving without car insurance is illegal and carries an unlimited fine and up to eight penalty points on your license. Uninsured drivers are also at risk of having their vehicle seized and destroyed. Despite the serious consequences of driving without insurance, you could still be hit by an uninsured driver as uninsured and untraced drivers kill 130 people and injure 26,000 every year.

Making an insurance claim will be difficult if you’re involved in an accident with an uninsured driver and you’re not at fault. But as well as causing you extra hassle, it is estimated that fraud adds, on average, an extra £50 to the annual insurance bill for every UK policyholder.

What to do if you’re in a car accident

Whether the other driver is insured or not, if you're involved in a car accident you should make a note of the following at the scene of the accident:

  • The other driver’s vehicle make and model, and registration number
  • The driver’s name and address
  • The damage to the other vehicle
  • The scene of the accident, including road markings, driving conditions, whether the cars had their lights on and car signals
  • Contact details of and statements from any independent witnesses.

If you have a camera (or camera phone), take pictures of the scene and the vehicles involved should you need to refer to it later.

You should call the police if any vehicles are causing an obstruction, if people or animals are hurt, or if you’ve hit third-party property, such as a wall. You should also call the police if it becomes apparent that the other driver doesn’t have insurance because you will need an accident report to make a claim through the Motor Insurers’ Bureau (MIB).   

What to do if you’re in an accident with an uninsured driver

If you have fully comprehensive car insurance, you can claim from your insurer, although your no claims bonus may be affected  unless you have protected  it or your policy includes an uninsured driver promise. However, you can try to claim through the MIB and they may compensate your insurer for the claim  – your insurer should reinstate your no claims discount and cancel any premium increase.

Uninsured driver promise

RAC Car Insurance Plus, rated 5 Star by Defaqto, includes an uninsured driver promise. This means if you’re hit by an uninsured driver, you’ll get a refund of any excesses you have had to pay and keep your no claims discount. So you won’t have to go through the hassle of claiming through the MIB. And you won’t be left out of pocket or be penalised for another driver’s failure to insure.

Get in touch today

Find further information on car insurance or speak to one of our RAC advisers on 0330 159 1019* to get a quote.

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RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Car Insurance and RAC Home Insurance are arranged and administered by BISL Limited, which is an independent intermediary. Registered in England no. 3231094. Registered office: Pegasus House, Bakewell Road, Orton Southgate, Peterborough PE2 6YS. Both companies are authorised and regulated by the Financial Conduct Authority.