It can happen to anyone, at any time. Unfortunately, road traffic accidents are part and parcel of modern day-to-day life.
When it happens, first and foremost the concern is for the health and well-being of all involved, and if everybody walks away without having suffered life-threatening injuries, we thank our lucky stars.
For some drivers though, that is where their luck ends, and a potential nightmare begins, as they discover the other driver was uninsured, or perhaps driving a stolen vehicle, and the details given to them, if provided at all, turn out to be false.
Every week, about 2,000 vehicles are seized because owners can’t provide proof of insurance, while 15,000 letters are sent out to those suspected of keeping an uninsured vehicle.
It means the chances of being involved in an accident with an uninsured driver are on the up, and as anyone who has found themselves in this situation will know, it brings an extra mountain of concern and worry as to how the matter will be resolved.
As specialists in handling claims against uninsured motorists, we at Neil Hudgell Solicitors deal with many such situations, and it is in these circumstances that our expertise in working with the Motor Insurance Bureau (MIB) plays a key role.
Following an accident, it is at an insurance company’s discretion as to whether they will deal with a claim if the other vehicle involved has been stolen, or was being driven by someone who is uninsured.
It is obviously a cause for concern, and can leave a law-abiding motorist fearing the worst.
All is not lost, however, if the insurance company will not pay out, or there isn’t a policy in place, as a claim can still be made.
Our team of specialist lawyers have the knowledge and experience to pursue the case on a driver’s behalf through the MIB, helping to ease the stress of the situation, and hopefully secure compensation on a no win, no fee basis.
With the recent change of season, the falling temperatures and the nights drawing in quickly, we all need to play our part in ensuring the roads are as safe as can be, adapting the way we drive to suit the conditions.
For the Government’s part, it has to continue working to tackle the problem of uninsured drivers, and it will therefore be interesting to see how the recently introduced automated tax system will play its part.
The Driver and Vehicle Licensing Agency (DVLA) will now be making regular checks of number plates through cameras, and although this move is to be welcomed, the problem is not one likely to disappear overnight.
It will continue to be a reason for law-abiding drivers across the country facing rising insurance premiums, and those flouting the law will continue to be a threat on the roads.
The best advice is to take care when you drive, and ensure you are being driven by the right legal team should you be involved in an accident with an uninsured driver.