What happens if you're hit by an uninsured driver?

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Immediately after the accident get the name, address, and driver licence number from the other driver involved

What happens if you're hit by an uninsured driver?

Vehicle insurance might be a must – but unfortunately, a lot of people do drive with no insurance. So what happens if you are hit by an uninsured driver? Immediately after the accident get the name, address, and driver licence number from the other driver involved. If possible, take pictures of each of these documents. Take a picture and write down the number plate number and the vehicle licence. In accidents involving an uninsured driver, report the accident as soon as possible to the authorities.

Phone the police

This may sound easy, but when you are involved in a car accident you might be a little rattled and forget to take the details – if you realise this be sure to phone the police on the spot. If the other person refuses to give you any of the above information be sure to call the police too and try to keep the other party there until the police arrive.

Who is at fault?

The police would look at the accident and also interview witnesses or bystanders of the accident to determine what exactly happened and ultimately who would be liable or who is at fault. Get a copy of the report for your records and for your car insurance policy.

Report the incident

It’s important to report the incident to your insurance company too. This is usually quick and you can simply phone them and report the incident. Your insurance company would send someone to assess the damage on the vehicle.

Excess

Depending on your insurance policy you might need to pay an excess amount in order to claim from your policy. If the report and investigations determined that the accident was not your fault, your insurance company would most likely pay you out and then recover the damages from the uninsured individual.

Use CompareInsurance.ae to compare a range of different car insurance policies and benefits all on one page so you are sure to have the best vehicle cover for your needs.

In this article


Phone the police

Who is at fault?

Report the incident

Excess

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