What should I do if I’m hit by an uninsured driver?
If your car’s been hit by an uninsured driver, it’s vitally important to gather as much information and evidence as possible after the accident. This includes:
- time and date of the accident
- registration number and details of the other car
- the other driver’s name, address and contact details
- videos or photographs of the scene and any injuries, to back up your claim
If the other driver is uninsured or refuses to give you their details, you must notify the police, even if the damage is minor. Refusing to give insurance information is as much a criminal offence as driving uninsured.
You’ll also need to tell your car insurance provider about the accident. Failure to do so could invalidate your policy. Most insurance providers have a 24/7 emergency claims line, so you can call them at any time of the day or night. They’ll also have access to the Motor Insurance Database (MID), which can establish if the other car is insured or not.