While the majority of people on the roads have a moan and groan about the cost of our car insurance, we would never, ever consider getting behind the wheel without being insured. If you were to get into an accident and you weren't insured where would you get the cash from to pay out for not only the repairs to your car but also the other car? On top of this you would face heavy fines and prosecution for driving while not having insurance, we might moan and groan but we do have the sense to know how valuable car insurance is and do the right thing.
However statistics have shown that an alarming amount of drivers are in fact out there and driving around on the roads without having taken out car insurance. It is also a fact that it is the insured driver that is nine times more likely to be involved in an accident than those who do have car insurance.
It is believed this is due to the fact that very often the uninsured driver is usually the one that is driving around in a car that is not roadworthy.
When it comes to culprits such as these is it also three times more likely that they have had previous convictions of careless driving and 10 ten times more likely that they drive while under the influence of alcohol and have been previously convicted of a drink driving offence.
With this is mind police are clamping down on the uninsured driver and while this is an excellent thing, unfortunately it is also the insured motorist that is also being cracked down on too. The reason behind this is the way that the system works, the system currently used to pick up on and crack down on the uninsured motorist is by checking records with the Motor Insurance Bureau.
This system shows up the cars that don't currently have insurance, however if you have always had car insurance and are currently in the process of renewing it then it could take a couple of days for this to show up on the records. If the records are checked during this time then you could show up as not having car insurance and be clamped down on. While the majority of people can of course prove they do have insurance it is a huge inconvenience.
In order to stop this happening you should arrange to change your car insurance over as quickly as possible and carry documentation to prove you are doing so and when it comes to buying your insurance buy online and get several quotes for the best and cheapest deal possible.
About the Author:David Thomson is Chief Executive of BestDealInsurance a specialist broker dedicated to giving consumers the best insurance deal. They offer great value
car insurance, ensuring their need, without leaving a hole in their pocket.
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Frequently Asked Questions
Car Insurance Coverage Question
By: Sweepklean | 10-09-2008
My son-in-law hit another car, in the rear. I know that his policy will pay for damage to the other vehicle, but will their policy pay for damage to his vehicle?
Jersey oil product south amboy nj.I want to know ...
By: epierre | 28-08-2008
jersey oil product south amboy nj.I want to know the name of the insurance co.for their vehicles
Link Exchange
By: dwp_ins | 22-08-2008
Is there anyone who knows anything about link exchanges between individuals who have websites. I currently have a great insurance website that has helped a lot of people save money but I need to know how to get more traffic to my site. Is link exchange a good option for me to market my site.
CarInsurance.com Answers
By: Bob | 29-07-2008
Do you use CarInsurance.com for your answers, since they have answered almost anything related to car insurance over the past 5 years?
Underinsured
By: lunchlady | 12-07-2008
what is the statute of limitations on motor vehicle accidents in nj for underinsured drivers? if the person at fault does not have enough coverage to cover the cost of replacing a totaled vehicle, can the insurace company of the other driver sue them personally for the difference? if they can, is there a time frame they have to do it by?
Uninsured in car accident
By: bran | 08-07-2008
my husband was involved in a car accident july05.very minimal damage to other vehicle,none to ours. i just found out our policy cancelled on june30.so we have no insurance to cover this accident. the family of 6 that was in the van were not hurt and 3 of the passengers left before the law arrived because they were going to a wedding. now it is july 08 and 2 of the passsengers are complaining of back problems. i have pictures of the damage to their vehicle and no tickets were given. where do we stand on this?i dont have a problem at all with paying for the damages to the van. but i do have a problem with the injuries. my husband bumped them in the rear pulling from a stop sign. barely any speed at all. any advice would be appreciated. thanks alot!
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