Motor insurance is a legal requirement in the UK, but there are still drivers who do not have insurance. The good news is that under the uninsured driver’s agreement, an arrangement between the Government and Motor Insurers Bureau (MIB), the costs incurred by an insured driver involved in an accident with an uninsured driver may be paid for by the scheme.
The MIB is a company funded by its members, and according to UK law all car insurance providers are required to be members. The MIB estimates the fees presently paid amount to between £15 and £30 per policyholder, and are built into premiums.
If you want to make a claim, you need to follow a few simple steps. Start by making a formal complaint to the police about the uninsured driver, and report the accident to your own insurer. If you think you are eligible for compensation from the MIB visit www.mib.org.uk for more information.
It is best to make sure that the other driver really is uninsured before you make a claim. A check with the DVLA can confirm this. In the event of a hit and run case, or where you are unable to identify the other driver, you can claim under a separate MIB scheme known as the untraced driver’s agreement.
Some motorists drive illegally, without insurance, under the mistaken belief that car insurance is expensive and unnecessary. On the contrary, motor insurance need not be costly. At the very least drivers can take out a third party policy, which covers them against the costs of damage to other vehicles or properties in the event of an accident.
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