What Happens If You Hit A Car Without Insurance – The motor insurance industry estimates that there are more than 1,000 low-speed collisions in the UK every day. And the average repair bill is £1,500.
The motor insurance industry estimates that there are more than 1,000 low-speed collisions in the UK every single day.
What Happens If You Hit A Car Without Insurance
According to GEM Motoring Assist, it’s partly to do with the size of parking spaces, and the size of cars we try to squeeze into them.
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Legally, a parking space can be between 7ft 6in (around 2,300mm) and 8ft 10in wide (just under 2,500mm), but most are closer to the minimum.
Compare that to the width of a typical family hatchback – 5ft 9in or 1,800mm, and you don’t have much left on either side of the car to work with, both for parking and exiting.
The first thing you should do when it comes to driving in general is to make sure your mirrors are set correctly. Maximize what you can see and you’ll be a better driver – and a better parker.
Cars come in all different shapes and sizes, so familiarize yourself with your vehicle. Know where its extremities are and learn what it can do in terms of turning radius.
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Parking safely is more important than doing it quickly. Plan your journey and allow time for parking. Aim to travel at times when you know it won’t be busy. Keep in mind exactly where you want to be able to park as easily as possible. Don’t fight others for places either. It will only put pressure on and increase the likelihood of a showdown.
Gadgets like parking sensors and reversing cameras can be a gift. Make good use of them and you can turn from a parking spot to a space saver overnight.
Make sure all your windows, mirrors and cameras (if you have them) are nice and clean so they are easy to use. It’s no use having perfectly set up mirrors if they’re rainy or dirty.
We suspect that a large part of the more than 1,000 parking accidents that happen every day are due to people blindly backing out of spaces. Avoid this by returning to your desired seat. That way, you get a clear view when it comes to leaving. If you must back out of a place, do so slowly and carefully, perhaps with the guidance of a passenger or passerby.
What Happens After An Accident
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There are certain things you should do immediately after being involved in a car accident. Here are the steps you need to take.
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How far over the limit will a speed camera flash? We look at the margin of error for UK speed cameras – and why this threshold exists. ACCIDENTS happen, and in the grand scheme of things, hitting a parked car is usually a relatively minor problem. But even if nobody’s pride has been hurt, that doesn’t mean you can shirk responsibility if you’re at fault, and if it’s your car that’s been hit, you’ll want to know what you’re dealing with, and how to do things right. Here we tell you what to do.
If you hit a parked car, no matter how small the impact, don’t think you can just drive away – you must notify the owner of the parked car. It is the law (see below).
If the owner is present when it happens, then it’s simple enough. If they aren’t, it can be tempting to just drive off, but as we’ve already said (it doesn’t hurt to repeat this), it’s illegal to do so. Even if you think you might be able to get away with it, there may be witnesses you haven’t noticed, or nearby CCTV (including in the car you hit) may be recording what happens.
So don’t give it a chance. Drive by, note the damage and leave your details with the car.
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Write your name, address and phone number on a piece of paper and leave it behind a windshield wiper. If it rains, see if you can protect the paper with a plastic bag or similar.
If you have a camera phone on you, take pictures of the damage – this is important if the third party tries to blame you for damage you didn’t cause.
If you are present when the collision occurs, make sure the person stops and exchange details. If they don’t stop, take as many details of the car as you can: the vehicle’s registration, make, model and color and a description of the driver if possible.
If you are not present, then unless the other person leaves their details, your only chance of finding them will be with witnesses or CCTV footage.
What To Do When You Hit A Parked Car
You may be interested to know that the latest in-car dash cams can be configured with a “sentinel” mode that triggers the camera if it detects motion when you’re away from the car. Tesla cars have this built in.
Collect all this information and inform your insurance company about the damage that has been caused and all other details. They will ask if you have a crime reference number. They will then be able to clarify the next steps.
If you see a vehicle hitting a parked car, try to take in as much detail as possible. If the collision is serious, call 101 – the police non-emergency number – to inform the police within 24 hours of the incident.
You are still responsible for any damage you may cause, so still stop and leave your information.
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Yes. The insurance industry pays into a pool that covers any damage caused by uninsured or untraceable drivers involved in incidents. However, check your level of cover and remember that any excess must be covered by you before your insurance company pays out and this may affect your premium.
If you damage a parked car or your car is damaged while it is parked and you do not inform your insurance company, your insurance company may invalidate or cancel your policy.
Yes. Depending on the severity of the incident, you may be charged with failing to stop after an accident or failing to report an accident. This is likely to include a fine with an unlimited maximum amount.
If you fail to stop after an accident or fail to report an accident, you can also have a fine of 5-10 points added to your license. Unlike speeding, no awareness courses are offered as an alternative.
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Yes. Again, this is covered by the charge of failing to stop after an accident or failing to report an accident, and can see you fined, points or even banned in serious cases. Because people break the law, all insurance in provinces with private insurance includes uninsured motorist coverage.Thomas Eckstadt/Getty Images/iStockphoto
I have a neighbor who canceled his insurance during COVID-19 but has started driving without it. I imagine there are more people like that out there. So what happens if my car gets hit by one of these idiots without insurance? Am I still covered? Are there limits to coverage? – Suresh, Hamilton
As long as you have insurance, you have some cover if an uninsured driver hits your car – but there may be limits.
“If you can identify the vehicle and the driver confirms they have no insurance, then the provincial policies give you some coverage,” says Pete Karageorgos, director of consumer and industry relations at the Insurance Bureau of Canada (IBC). “You will need to notify the authorities as soon as possible because they will be conducting an investigation.”
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But because people break the law, all policies in private insurance provinces include uninsured motorist coverage.
This does not mean that you have unlimited coverage in an accident with an uninsured motorist; it depends on which coverage you have purchased.
“The Ontario Automobile Insurance Policy outlines that uninsured motorist coverage will respond for up to $25,000 for accidental damage to the vehicle and/or its contents, subject to a $300 deductible,” says Hans Reidl, senior vice president, at Economical. Insurance, in an email. “If you have optional collision or disruption coverage, your policy will respond beyond this up to the liability limit.”
So if your Tesla is worth $70,000 and it was totaled by an uninsured driver, you would pay the deductible and be covered for $24,700 under the policy.
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If you had purchased collision coverage, then most companies would cover the remaining $45,000 – although collision coverage usually only covers damage to your car when you are at fault.
If you make a collision claim after being hit by an uninsured driver, you will also see an increase in your rates, even if you were not at fault.
If it’s a hit and run where you don’t know who hit you, then it will be treated as a normal insurance claim
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