To your knowledge, you can still claim losses in the event of an accident with an uninsured driver.
In such a situation, you may claim from the involved individual and the owner of the vehicle (if the person who hit you at that time was not the owner of the vehicle).
How to claim from an uninsured driver?
You can sue them in a personal capacity as the individual does not have insurance coverage.
Your claim will be forwarded to a court hearing to determine the at-fault party.
However, please ensure to have the following details before you proceed to sue the uninsured individual. Without this information, your claim may not be successful.
- Name of the involved driver
- The vehicle registration number
- Photos of the accident and the condition of your car
Steps to claim an uninsured vehicle
Gather photographic evidence
Take photos of your car’s damage, the involved vehicle, and other relevant details that can facilitate your claim process.
In addition, take a photo of your car roadtax to avoid irrelevant disputes later.
Jot down the vehicle registration number
Get the involved vehicle’s plate number.
This is to enable the Road Transport Department to trace the owner for details.
Gather details of the involved driver
Get the details of the other involved driver.
Examples are their full name, phone number, and other relevant info. Other than that, take note of the location and time of the accident as a reference when lodging a police report.
Lodge a police report
Make sure to report the accident within 24 hours of the incident. Delays in police reports can cause confusion.
Inform insurance company
Do not forget to inform the car insurance company within 7 days after the incident.
Use your right when dealing with an uninsured driver
Please use your right in the event of an accident with uninsured drivers. Follow the steps shared above to ensure your claim process goes smoothly.
So as long as you have the required information, your claim process can proceed without problems.
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