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Road rage and car insurance

If you’re involved in an accident caused by road rage, are you covered by your car insurance policy? What if you’re the aggressive driver at fault? 
 
Read our guide to your rights when it comes to road rage and your car insurance.  

If you’re involved in an accident caused by road rage, are you covered by your car insurance policy? What if you’re the aggressive driver at fault? 
 
Read our guide to your rights when it comes to road rage and your car insurance.  

David Edbrooke
Sub editor
4
minute read
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Posted 25 FEBRUARY 2020

Can I claim for road rage accidents on my car insurance? 

That depends. If you’re a victim of a road rage accident and the reckless driver is insured, then you may be covered. But not all car insurance policies cover road rage accidents as standard, so you’ll have to check your individual policy to see if it’s included. For example, policies may cover you for damage to the vehicle, but not for injuries sustained by you or your passengers.  
 
If your road rage is the cause of the accident, then your insurance provider is unlikely to pay for any damage to your car. They may even seek damages from you, to pay for any costs they have incurred to pay for third-party damage.  
 
Any road rage accidents you cause will also probably lead to higher car insurance premiums in the future. Depending on how serious the incident is, it could lead to points on your licence, a driving ban or even a criminal conviction.  

Is road rage illegal? 

It’s not illegal to be angry or stressed – it happens to us all. But if your road rage causes you to drive carelessly or dangerously and it causes a collision, you could be prosecuted for dangerous driving.  
 
Likewise, if a driver victimises or assaults another motorist, or damages property as a result of road rage, these offences are punishable by law.  
 
The term ‘road rage’ is used to describe the anger experienced by a motorist when driving. 

What is carjacking? 

Carjacking is a very dangerous crime where a vehicle is forcibly stolen from the driver while they are behind the wheel. Extreme cases of road rage could result in carjacking.  
 
The attacker is usually armed so incidents can be potentially lethal.

What are the signs of road rage? 

Some common signs of road rage to look out for include:

  • speeding 
  • sudden braking 
  • tailgating, or not giving other drivers enough space 
  • impatient driving  
  • shouting and gesturing 
  • beeping horn or flashing headlights 

Avoid any drivers who display this kind of behaviour. Or if you realise that you’re starting to lose your cool and drive recklessly, find a safe place to stop to calm down.  
 
By recognising the signs of road rage, you can learn to identify them in other drivers – or even yourself – and help stop the situation from escalating.  
 
For more information, read our guide on the psychology behind road rage.

Should I report aggressive drivers?

Yes, you should report aggressive drivers if you feel you’ve been victimised or have been assaulted by a driver with road rage. And if you see someone driving aggressively who could endanger pedestrians or other drivers, then you should also report them to the police.  
 
When filing a complaint about road rage with the police, try to include as much detail as possible. But be aware that it’s very hard to prosecute an aggressive driver without hard evidence. For example, ideally there’d be footage from a dashcam or CCTV, or reliable witness statements.  

What should I do if I’m involved in an accident involving an aggressive driver? 

You should call the police if you’ve been involved in an accident with an aggressive driver. Depending on the severity of the accident, they may arrest the driver for reckless driving. You’ll need a crime reference number from the police to make an insurance claim.  

Here are some other actions you could also take: 

  • If it’s safe to do so and your car is stationary, make a note of the other driver’s car model and colour, and their licence plate number. If the driver fled the scene or is uninsured, record as much detail as you can.
  • Gather as much evidence as you can – road rage accidents can be hard to prove. If anyone saw what happened, see if they’d be willing to be a witness. Footage from a dashcam could help to support your statement. If you don’t have a dashcam, look out for any nearby CCTV cameras that could help.  
  • Call your insurance provider as soon as you can. They should explain what you’re covered for and the next steps in making your claim.  

What are my rights if my road rage caused an incident? 

As well as facing prosecution, penalty points and potential fines – or worse – any accident you cause because of road rage could invalidate your car insurance.  
 
Insurance providers may not cover an accident if you or your passengers said anything to provoke an attack, or if you attacked the other driver – even if in self-defence.  
 
Any incidents will remain on your record and you’re likely to pay higher premiums on your insurance in the future.

What is road rage insurance? 

Sometimes even comprehensive car insurance policies won’t cover you as standard for damage and injury caused by road rage. If it’s not covered on your policy, you may be able to add it on as an extra and pay a premium. 
  
Alternatively, you could compare insurance quotes to find a car insurance policy that could offer you the right cover.

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