What to do if you're hit by an uninsured driver?

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[hman]

Driving without a licence and / or insurance should be a prisonable offence. It might focus peoples minds as to their responsibilities to others.

[oldgreybeard]

From my experience it matters not if you are hit by an insured driver even if your car is parked and empty. Your insurance company will make money robbing you in the process. Insurance companies are thieves.

[simonrichardson]

A 16 Yr old TWOC'd a car smashed into me wrote off my car, he ran off, somehow he was caught days later then ignored all my solicitors letters, I even went to his house disguised as a contractor with painting and decorating gear, that fooled him into finally opening the door he just laughed in my face when I asked him to reply to the legal letter, fast forward I got a very small amount from the MIB for my car and forgot all about it, then yrs later I received a cheque in the post I forget who from but a letter stated they'd caught up with the individual and somehow got some more money for me, not much but something

[BibtheBoulder]

Should have been a lifetime plus, plus crush the car, plus a custodial sentence. The penalty for breaking the law in the UK is pathetic, and no deterrent.

[rickconstant]

"Getting one more dangerous driver of the road" is probably a bit optimistic. If they were prepared to drive dangerously without a licence before, what would stop them doing it again?

[guantou]

So: They get points on a license they don't have and fined money they also don't have. 6 months in the slammer would be a far more effective deterrant.

[francis]

Years ago. I was run off the road by a drunk uninsured publican, and my brand new car ended up in a ditch. Although he was prosecuted, it took two years for my No Claims bonus to be reinstated, even though I had fully comprehensive insurance...

[kevinthepilgrim]

Many thanks. It’s good to learn about the everyday issues that have potential legal consequences.

[norfolknomad]

I’m a lorry driver. Nothing surprises me anymore.

[paulscottrobson]

Another problem is those who run off. I was rear ended in stationery traffic a few years back, and the police (TVP) were totally uninterested, just a phone line to report it which clearly was going nowhere.

I could sympathise on a back road, but this was the multi-lane part of the M4 outside Heathrow near the M25 intersection, which is covered with traffic cameras.

I spoke to my Insurance Broker about this (obviously) and he told me it had reached epidemic levels, unsurprisingly if the Police do nothing.

[michaelanwyll]

my car was hit by an uninsured driver when it was at a supermarket. the driver took off and I came back to see the damage. We traced the car via the cctv and my dashcam. it cost my insurance £2.5k to fix, it lmpacted my no claims and my insurance doubled on the next renewal. I was essentially penalised for something that happened and i wasn't even in the car at the time either.

[RachelGedney]

That's spooky, I was just having a discussion with my son about people driving without insurance when your video popped up! 😂

[matthewpayne]

The fine seems to be better than they used to be. I recall reading in the local paper a few years ago seeing no insurance/license fines of £30/£50 etc which were a joke!

[carlharrison]

Thanks - thats most helpful. I've always found that a wheel-brace in the boot has always helped with situations like this, you dont get your money - but you do feel better. I'll keep the Men In Black website in mind if the wife gets a bang by an uninsured driver.

[arribaficationwineho]

Insured motorists pay for the uninsured.

[LordPlaythellSteele-erqi]

Love your videos. Thank you so much for posting such helpful things for us.

[fredfromthedead]

Love the videos! Been keeping up with you for a while and you inspired me to go to university to become a barrister!

[JoannaLamont]

Very useful information to have & thanks for this.

[Mizan]

I've been a driving instructor for over a decade now. I regularly get pupils tell me that they have been driving without a licence and/or without correct insurance for years, in some cases I'm guessing they are still driving illegally between lessons. 😒

[tjbjjtkd]

There are so many people driving illegally. I was hit by someone who didn't have insurance. The worst part is he drove off but was found a week later. To add icing to the cake, I had to have rotator cuff surgery. Now I can't work for a few months. I have plenty of sick days at my main job, but my second job I had to take a leave of absence, no pay!

The vehicle is totaled out, I'm in excruciating pain from the surgery, and I'm missing money. This who deal has been a logistical nightmare. 😢