What may happen?

[kase187]

i got into a accident, caused by another driver. i have no insurance, but the other driver jumped a red light and was speeding which caused the accident. i have a witness who saw everything.
problem now the drivers insurance want to try and claim from me or report me to the british driving authority about me having no insurance.

[squarebear]

You have already asked this here:
http://www.theanswerbank.co.uk/Motoring/Questi on578934.html

Are you looking for different answers? If you had no insurance, you shouldn't have been driving.

[~spaced~]

it makes no difference if you had a witness or if you are not to blame....you are uninsured!!!

I hope you get what you deserve, people like you should be shot, moron

[R1Geezer]

I'm confused? Leaving aside for a minute all the roll0ckings for no insurance, as it's not your fault, how do they even know you are uninsured?

I have been hit by people before and I always refuse to give my insurance deatails because it's irrelevant when it's not your fault. Yes I know, you must inform your own insurance yada yada yada...... b0wlocks, I never do because they always load your premium even when the other company pays, it's only your insurers own admin rules anyway.

If the police get involved and ask for your insurance then fine, otherwise no need to mention them.

[coupe51]

You shouldn't have been driving without Insurance and as a concequence this has happened. What if someone had been badly injured or killed even. You obviously don't think of anyone else. It is a good job the police were not called to the scene or you would have been fined and had points put onto your licence.

[coupe51]

R1geezer - regardless of whether an accident is your fault or not, you are supposed to still exchange insurance details and you are never to admit liability whether you know it is your fault or not. That is my understanding of it.

[flip_flop]

Indeed, you are legally obliged to provide your insurance details to anyone who has a direct interest in an incident, so even if an accident is non-fault but the guilty party requests your insurance details, you must, by law, provide them.

It is easy to find out whether a vehicle is insured or not by logging onto www.askmid.com which is the motor insurance database on which all cars insured in the UK will be on.

Unfortunately, the fact that you are uninsured and should not even have been on the ******* road in the first place you complete and utter ****, does not absolve the other person - you will still, annoyingly, be able to claim from his insurers.

[Toureman]

I do not sympathise with you at all, you are a dangerous plonker for driving without insurance but the insurance company of the other driver is commiting an offence more serious than yours by attempting to blackmail you.

[beso]

Without insurance your car should not have been on the road. No car, no collision regardless of the other driver's actions. The accident is your fault.

[jimbob703]

For R1geezer - you have to exchange details. Whether you think it's your fault or not makes no odds. If you refuse you could be in trouble from the police.