Q428: What happens if the other driver from the accident has no insurance?
Contact your insurance company who should make the necessary enquiries in the first instance. Once the enquiries have been completed and they are satisfied that the person does not have insurance, they should advise you to report the matter to the police who may be able to trace the other person.
It would be helpful if you could supply the registration number, make and model of the vehicle and the name and address of the other person if you were given it at the scene. If the person is traced they will be prosecuted for any relevant road traffic offence(s).
You can also take out civil proceeding against the other driver in order to try and reclaim the cost of any damage to your car. If you have legal protection as part of your cover your insurance company will be able to advise you on this matter.
If you have suffered any form of personal injury, loss or damage to your property, as a result of the accident and the other person cannot be traced, you may be able to obtain compensation through the Motor Insurers Bureau - see contact details below:
Motor Insurers' Bureau
Linford Wood House
6-12 Capital Drive
Telephone Number: 01908 830001