What to do if the other driver is uninsured: Navigating your car accident claim

Getting into a car accident is one of life’s top stressors. And it gets even more complicated if the other driver turns out to be uninsured. However, there is a process you can follow to protect yourself and receive the compensation you deserve. Here’s what you need to do immediately after an accident to make a successful claim.

What to do immediately after an accident

You will likely be in a state of shock immediately after the accident. Remember that it’s critical to try and gather as much evidence as possible at this stage.

Start by taking photographs of the scene. Make sure to capture all the damage done to both vehicles, along with the license plates. Take pictures of the environment as well, such as road conditions.

Get the other driver’s full contact details, even if they don’t have insurance. Also collect contact information from any witnesses before they disperse – their statements will be valuable in supporting your claim.

It’s essential to report the accident to the police. This is especially important if the driver is uninsured or refuses to cooperate. An official police report will serve as key documentation when you’re dealing with insurers or making a legal claim.

Does your insurance cover uninsured drivers?

Tell your insurer about the accident immediately. Your car insurance policy will impact your ability to claim compensation in accidents involving an uninsured driver.

If you have comprehensive insurance, your insurer may allow you to claim for damages and injuries, even if the other driver is uninsured.

However, if you only have third-party insurance, your protections might be limited. For example, you may not be covered for your vehicle repairs if your insurer deems that you are responsible for the accident.

Some insurers offer uninsured driver protection, so you won’t lose your no-claims bonus or have to pay excess fees if the other driver is at fault.

Claiming through the Motor Insurers' Bureau (MIB)

If your insurance policy doesn’t cover damages caused by uninsured drivers, you can pursue compensation through the Motor Insurers' Bureau.

The MIB handles road traffic accident claims that involve victims of uninsured or untraced drivers. You could get financial support for vehicle repairs, injuries, and other losses.

To file a claim, you must provide evidence, such as the police report and documentation of damages.

Protecting your no-claims bonus and managing excess

Accidents involving uninsured drivers can impact your no-claims bonus, and also lead to higher premiums.

Check to see whether your policy includes an uninsured driver promise. If so, your no-claims discount will be protected, and any excess charges will be reimbursed.

Stay calm and know your rights and options

Dealing with an uninsured driver in the aftermath of an accident can be an uncertain and frustrating experience. If you know your rights and options, you’re better able to protect yourself and smoothly navigate the process of making a claim.