If you have ever been hit by an uninsured driver then the whole event may have caused you heartache, a headache and even a little wallet ache! Claiming for the damage inflicted on your car is nothing short of a nightmare unless you are one of the very few lucky ones. If you have never been hit by an uninsured driver then you are undoubtedly lucky but you should still know the process because the vast majority of car insurance quotes do not cover you against uninsured drivers at all.



Car insurance quotes may or may not cover you for uninsured drivers because the individual providers hate paying for them. It costs them millions of pounds every year. This riles some to the point of not providing cover for that event. Of course, the fact that there are more uninsured driver accidents than ever before now will not bring your car insurance premiums down.

It is worth checking your policy carefully to see whether or not you are insured in the event of an uninsured driver hitting you or causing an accident. Some providers do and you claim in the usual way. However, those that do not offer you cover in your car insurance quotes will not help you out at all. If an uninsured driver hits you then you are literally on your own.

It may sound a little bizarre but it can take you years to get any compensation if you are not covered under your car insurance policy. If you do have cover then you can claim back the money to repair your car or replace it minus the excess. However, if not then you need to go through the Motor Insurance Board (MIB) instead.

The MIB is an organisation that was set up to help motorists that had specifically been in an accident with an uninsured driver. Although they do compensate you eventually via taking legal action against the uninsured party, you have to follow a set procedure first.

Firstly, you should double check that the individual is not insured by running a DVLA vehicle check and then lodging a formal complaint with your local police force. It is obviously an offence to drive without insurance but it is also one to refuse to give insurance details in the event of an accident. Even if you cannot claim with them, you should also tell your car insurance company about the accident so they know. This is a requirement of most policies.

After you have done the above you can make a claim. You have to submit a form to the MIB and provide them with any and all information that can help them to trace the driver and bring a case against him or her. You can do this online or via post. You should make the claim as soon as possible to avoid unnecessary delay.

Taking each case through the courts understandably takes time but you are entitled to that money. After all, you are forced to pay around 30 pounds extra a year as a result of uninsured drivers. You may have to wait but you can get the compensation you deserve.