Danielle is an author of several articles pertaining to Car Insurance. He is known for his expertise on the subject and on other Business and Finance related articles.
Miss Robinson from Derbyshire knows the true cost of failing to insure your vehicle when she was hit by an uninsured driver. Miss Robinson was turning into her driveway when another car drove straight into the back of her. She managed to get out of the car and stop the other driver long enough to take down his contact details. But when she later tried to call him about the accident she found the number she had been given was fake. Miss Robinson immediately phoned the police and was told that there was no record of the cars registration details. It was at this point it became clear that something was wrong.
Miss Robinson suffered from whiplash and psychological trauma, but there seem no chance of compensation. When the awful realisation dawned that the other driver was most likely un-insured Miss Robinson phoned the Citizen’s Advice Bureau and was given the contact details for the Motor Insurance Bureau. Unfortunately there were limits to what could be compensated for, in this situation and Miss Robinson was forced to pay for all repairs to her vehicle and use her vacation time to attend medical assessments for her whiplash injury.
It took a whole year for the claim to be settled and Miss Robinson was finally compensation for the accident. It was a horrendous drawn out experience that Miss Robinson is now trying to forget, and the money offered little consolation for the trauma she experienced. The payout is also of no consolation to the other 500,000 legally insured drives in Derbyshire whose premiums were forced up last year to pay for these incidents. The Motor insurance Bureau said that £15,477,000 was paid out in 2006 to 19,674 cases of traffic accidents with an uninsured driver.
The problem in catching uninsured drivers is that they are very difficult to detect. Derbyshire police did prosecute 5,000 uninsured drivers last year but admit that they are nowhere near to catching everyone who commits this crime. It is believed in Derbyshire alone there could be as many as 20,000 insured drivers on the roads, three quarters of whom are not being caught. Motorists who decide not to insure their cars know the risks they are taking and aware of the risk of getting caught and this is not enough to deter them. In addition the penalties for driving without insurance are low. In Derbyshire during 2007 the average fine awarded for driving uninsured was £367.00, which considering the average insurance premium for the same year was £629 you can see why some people may be tempted to take the risk.
Something needs to change in this system to prevent more people from not insuring their car so that repeat occurrences of Miss Robinson’s situation can finally be stopped.
- Related Articles
- Related Q&A
- Car Insurance. Optional Legal Expense Cover Is Well Worth The Extra.
- Car Insurance Coverage for Pets in Car Accidents
- Car Insurance - Prevention Is To Protect Yourself
- Car Insurance: Feel Safe While Driving
- Cheap Car Insurance | Auto Insurance | Car Insurance | Car Insurance Quotes
- Car Insurance: How to Get One Cheap!!!
- Car Insurance : Why it is a Must?
- Car Insurance – Size Isn’t Everything…
Rental Car Insurance Basics
By: Barclay Win | 10/07/2009Get the auto / car insurance through the company and get the highest level of coverage in car damages, accidents etc. with all information about getting proper auto insurance for a rental car, auto insurance policy coverage for rented car or other vehicles.
How to Qualify For Life Insurance if You Have been Diagnosed with Depression
By: Christopher Beard | 10/07/2009Life Agents can assist you by directing you to those carriers and carrier guidelines that will give careful consideration to your specific criterion and measure it against their current sub-standard table ratings in order to get you approved at a favorable rate. All carriers have their own table ratings for every impaired risk case.
How Can You Obtain, Accurate Term Life Insurance Quotes Online?
By: Christopher Beard | 10/07/2009Both Insurance carriers and marketers have been offering quoting aggregators as a way to both trim down cost of advertising and reach consumers as they begin there online research and shopping. So the big questions is: Are the premiums provided from these quoting websites accurate and are these rates you can realistically expect to obtain for your specific age health and weight class
Find the Best Premium Low Cost Auto Insurance - Insurance Quote
By: Bryan Burbank | 09/07/2009When you own a car there are many expenses involved any insurance can be one of the most expensive that you have. It is important that you search online for an auto insurance rates that you can afford. It is not hard to find good coverage but you would need to spend time and search for a quote that is in your budget. You do not want to get into an accident and have no auto insurance because it can cost you everything. If the accident is your fault and you do not have proper coverage you can be
Why Get a Term Life Insurance Policy?
By: Bill Gatton | 09/07/2009Life insurance is an important part of any family's sense of security, and not having it in case of an accident can leave your entire family more devastated than they would have been if you had been covered. Depending on age, financial stability, and health a term life insurance policy may be the choice for you.
Health Insurance Care Reform 7/9/09 EasyToInsureME
By: Www.easytoinsureme.com | 09/07/2009The Council passed an amendment to the Health Occupations Revision Act that included a definition of "the practice of medicine." As passed, the provision does not contain language opposed by the health insurance industry that would have arguably included utilization review. Also deemed approved was a rule permitting those enrolled in the District's Employee Benefits Program to enroll a domestic partner and children of the domestic partner under family coverage, provided the employee pays 25 per
Choose Life Insurance as an Investment
By: Habibulla Antule | 09/07/2009Now days, life insurance policies are very much popular for the investment purpose. This is the reason more and more people are opting for it. In particular reason, the life insurance policies are tax favored way to comfortable retirement, funding for children's education and orderly transition of family businesses in the future.
Takeaway Insurance: No Takeaway Can Do Without It
By: Nasreen Haque | 09/07/2009Insurance is one of the necessary evils of living in a modern, developed nation. As much as you might hate paying those premiums month after month, just one mishap or unforeseen circumstance can make all your payments worth it. If you own a takeaway restaurant, you should definitely look into takeaway insurance.
Police Force Face Claims for Race Discrimination
By: Danielle Fletcher | 10/07/2008 | Personal InjuryOver recent months the British Police Force has found itself dealing with a number of claims for compensation due to discrimination in the workplace on grounds of race and ethnicity. One Police officer has submitted a claim for £500,000 pounds because he believes he was discriminated against and denied a promotion unfairly.
Moving House in the UK is an Expensive Business
By: Danielle Fletcher | 10/07/2008 | MortgageThe whole process of buying and selling houses can be very expensive and is additional stretch on people’s finances. Two of the biggest costs are conveyancing and tax which can add thousands of pounds on both the buyers and sellers bills.
More People Choosing to Rent
By: Danielle Fletcher | 10/07/2008 | MortgageRecent figures show the number of houses sold in the UK in the last five months has fallen by 32 percent compared to the same time last year. Figures by the HM Revenue and Customs which record the houses purchases of properties worth more than the initial forty thousand pound tax band, show that the number of properties sold between January and May 2008 was only 504,000 which is down from 743,000 last year.
Loans Lead Companies Branching Out
By: Danielle Fletcher | 10/07/2008 | LoansFor banks and other financial institutions finding enough people who want to use their loan products has not typically been a problem in the past. However due to recent events within the global financial markets, lenders have tighten up their lending criteria across a range of their products to ensure they are not going to lose money by lending to high risk individuals.
Brits are Taking More Cash on Holiday to Avoid Credit Card Charges
By: Danielle Fletcher | 10/07/2008 | CreditCredit cards have become a prominent part of modern day life with British consumers using them to pay from everything from the household bills to purchasing a new car. More people have also started to use them abroad on their holidays as a convenient way to pay for goods and services or as a means of withdrawing cash.
Legal Firms Struggling to Find Conveyancing Work
By: Danielle Fletcher | 09/07/2008 | MortgageLegal firms who specialise in offering a conveyancing service are beginning to struggle to make the profits they were once used to. The downturn in the housing market has meant there are far less buyers and therefore fewer houses are actually selling.
Cap on Compensation for Whiplash Injuries to be Reviewed
By: Danielle Fletcher | 09/07/2008 | Personal InjuryCar insurers in Canada are predicting a steep hike in insurance premiums if a current cap on compensation payments is removed. The average increase in rates is estimated at around eleven percent, which is a huge increase and way above the rate of inflation.
Asbestos Victims are Dying Before They Can Receive Their Compensation
By: Danielle Fletcher | 09/07/2008 | Personal InjuryPeople living in Australia, suffering from mesothelioma, a disease caused by asbestos poisoning are passing away before their claims for compensation are being heard. One Sydney Judge believes this is due to a cost saving measure which was implemented in 2005.