What to Do If You’re Hit by an Uninsured Driver? | GVE London – Blog

Oops, it seems you were unfortunately involved in an accident. To make things worse, the driver who hit you? Well, they’ve got no insurance. A stressful situation indeed, but you know you weren’t in the wrong. So, now what? Let’s walk through our options here.

Steps to Take After Being Hit by an Uninsured Driver

1. Stay Calm And Gather What You Can

Write down the time, date, and location. Snap pics of the damage, the other car, even the road signs around. If anyone’s watching, ask them to hang about. Grab their contact info too. Every detail helps when you make a non fault car accident claim.

2. Exchange Details Or Call The Police

Even if the driver’s uninsured, you must ask for their name, address, and contact. If they refuse or vanish, that’s your cue to call the police. UK law expects collisions causing damage or injuries to be reported. Do it within 24 hours.

3. Ring Your Insurer

Let your insurer know what happened, even if you won’t claim. If you have comprehensive cover, you might still claim under your own policy, though it’s trickier without someone else’s insurer involved.

4. Involve The Motor Insurers’ Bureau (Mib)

If the at fault motorist is uninsured or gone, your next stop is the MIB. They were created to help victims like you. You can file a non fault accident claim with them. They might cover repairs, bodyshop or car accident repair centre costs, hire charges, even injuries.

Read Also: Choosing the Right Repair Centre for Insurance Claims: What You Should Know

5. Think About A Credit Hire Or Accident Management Firm

If your car’s knackered, and you don’t want to wait to sort repairs or find a reputable car bodyshop or repair centre, you can ask for a replacement vehicle. You’ll only pay once the MIB or insurer says they’ll cover it. These credit hire firms also coordinate repairs for you.

6. Keep Your Records Ready

Evidence you gather including photos, videos, witness names, medical records, police reports, etc are all extremely important for the claim for MIB and solicitors need proof of fault and damages.

7. Don’t Sleep On Timing

The time to lodge your complaint for the claim is within three years of the accident. If you or someone injured was under 18 at the time, that clock starts later.

8. Legal Help, No-Win No-Fee Style

You can go it alone, but hiring a solicitor who knows the MIB process can help. Many offer no win no fee deals. They’ll dig in, handle the claim, negotiate, and let you focus on your life, not legal forms.

Conclusion

Being hit by someone without insurance is rubbish. But you’re not out of luck. There’s a plan. Report it. Collect proof. Contact insurer and police. Use the MIB if needed. A credit hire firm or solicitor can ease the stress. You can still get your car fixed, your costs covered, maybe even compensation. Keep calm. You’re more protected than you realise.

If you’d prefer expert help handling both the claim and the repair, we here at GVE London, West London’s finest car showroom, can assist. We not only guide you through a non fault accident claim but also have the facilities to get your vehicle back into top condition, all under the same roof. Furthermore, being enthusiasts, we not only perform the usual repairs and service but can work on customisation, window tints and detailing as well. To know more, hop on a call with us today!