There is plenty of advice around about how and why to make absolutely certain that you enjoy sufficient liability insurance as a driver, to cover you for the very large negligence claims which are often made these days. As a responsible person, the chances are that you have taken heed of that advice and you will be cushioned against the results of any reasonably foreseeable claim against you for negligent driving.
However, what if you are not the negligent one? What if it is the other driver in the collision who bears the responsibility for what happened? He or she was distracted by a child in the car or by a cell phone call, at just the wrong moment and the result was a crash. You suffer from back strain as a consequence, you need medical treatment and you have to take two weeks off work although you are not due any further sick leave from your employment in the current year. Your car is a write-off.
You naturally assume that the other driver will meet the expenses since the accident was indubitably their fault. They seem to be reasonable people and they put you in touch with their insurers. But it turns out that the insurance policy recently expired and was not renewed. The insurers say they have no obligations whatsoever towards you, and now the other driver is not answering your calls. Letters sent to them at the address they gave you are returned in the mail marked ‘not known at this address’. Now it is the law that the driver must have a liability policy so they have broken the law. But that doesn’t help you.
So you turn to your own insurers for help. You have liability cover but you have not taken out any other insurance. Whether or not your insurers are able to help you will depend on whether you have the specific cover for this. If you do not have specific cover designed to cover you in the event of a collision with an uninsured driver, then you may well be on your own.
So it pays to check your insurance cover and make sure you have this cover if you do not already.
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