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What happens if you hit an uninsured driver

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If you have an at fault collision (run into the back of them) with an uninsured driver what will the insurers do? Will the uninsured driver be able to claim from your insurers. Will you lose your NCB?
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  • facade
    facade Posts: 7,600 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Your insurance pays, you lose your no-claims.

    They either contact your insurer directly, or get an ambulance chaser (more likely as they doubtless have whiplash injuries by now) to do it.
    I want to go back to The Olden Days, when every single thing that I can think of was better.....

    (except air quality and Medical Science ;))
  • As you are insured your insurance would pay out and deduct from your NCB.

    The uninsured driver may get prosecuted by the police if they warrant it a criminal matter
  • stator
    stator Posts: 7,441 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    If they make a claim it will be paid out.
    The fact that they are insured doesn't stop them from claiming off your insurance.
    However there is a possibility they will try to hush it up and not make a claim.
    Are the police already aware of the uninsured driver?
    Changing the world, one sarcastic comment at a time.
  • Fat_Walt
    Fat_Walt Posts: 750 Forumite
    As you are insured your insurance would pay out and deduct from your NCB.

    The uninsured driver may get prosecuted by the police if they warrant it a criminal matter


    Of course it's a criminal matter.
  • PasturesNew
    PasturesNew Posts: 70,698 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    When an accident occurs it is the injured person that claims from the guilty person.

    Whether either of them have insurance is a personal matter that makes things easier. Insurance pays so you don't have to. If you don't have insurance then it's all down to you.

    So, if you hit an uninsured driver, he claims from you. You pay him - you are lucky enough to have insurance.

    Whether he is then prosecuted for not having insurance is a separate matter for him/the police.
  • stator wrote: »
    If they make a claim it will be paid out.
    The fact that they are insured doesn't stop them from claiming off your insurance.
    However there is a possibility they will try to hush it up and not make a claim.
    Are the police already aware of the uninsured driver?
    Hypothetical question
  • Johno100
    Johno100 Posts: 5,259 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Fat_Walt wrote: »
    Of course it's a criminal matter.

    Only if or when the authorities find out about it.

    Here's a question - If the OP's insurers during the course of their dealings with the 3rd party identify that the 3rd party was not insured, do they report that fact to the police?
  • Car_54
    Car_54 Posts: 8,850 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper
    Johno100 wrote: »
    Only if or when the authorities find out about it.

    No, it's still a crime, just an undetected one.
  • Would an individual actually claim from an insurance company? If they are insured then the company does it, if not what proof do the company have that it actually happened? Unless you tell them that is.
    I'd rather be an Optimist and be proved wrong than a Pessimist and be proved right.
  • craig1123 wrote: »
    Hypothetical question



    So this didn't happen?


    You've not not knocked any cyclists off when they may or may not have been turning right in a place that may not exist whilst driving a car you might or might not own recently, have you?
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