Uninsured drivers are a massive problem in the UK. Recent statistics have shown that 1.7 million motorists drove in 2008 without car insurance. These people are endangering people’s lives and property on a regular basis, with no adequate cover if things do go wrong.
As the recession tightens many people’s pockets, it seems the dangers of people driving without insurance are ever more real, as drivers try to save a few pounds every month on something they believe they will probably not need.
Of course, younger drivers are the worst offenders. Currently there are 600,000 21 to 29-year olds driving without insurance, representing 34 percent of all uninsured drivers. Although this group often suffer with the highest premiums, especially the male half of the population, driving without insurance is an illegal offence, punishable by an on the spot £200 fine and 6 penalty points.
Motorists are being warned to make sure they are appropriately covered, by at least third party insurance, or run the risk of having their car seized by the police. Using automatic number plate recognition technology, the police can spot a driver without insurance if they drive past them on the road. Last year this led to 185,000 cars being seized, with 240,000 people being prosecuted.
The Motor Insurance Bureau (MIB) is starting a campaign to stop insured drivers using the roads not to let their cover lapse of face the consequences. The government organisation currently helps those who have been in an accident with an uninsured motorist, and funds this by taking approximately £30 from all insured drivers’ premiums. To many this wouldn’t seem fair, that £30 out of their insurance is going to pay for people who think they are above the law, or who just can’t be bothered to get their insurance.
Thankfully however, for those unlucky enough to be involved in a road traffic accident with an uninsured motorist, the Motor Insurance Bureau is a lifeline that may have believed they did not have.
If you’ve been injured on involved in an accident with an uninsured driver, Amanda Cunliffe Solicitors can help you make your claim to the Motor Insurance Bureau. Call us on 0800 2800 976 for free, confidential advice on your claim.