What To Do If Your Car Is Hit By An Uninsured Driver

Recently released data from the Motor Insurance Bureau of Ireland has found that the number of uninsured drivers on our roads has increased by almost 14,000 year-on-year. This means that approximately 1 in 13 cars in Ireland, as estimated by the MIBI, are driving without insurance.

Given this news, many people may be worried about what would happen if they were involved in a collision with an uninsured driver. The good news is that if you sustain an injury or damage to your vehicle as a result of the actions of an unidentified or uninsured driver, the costs of this are likely to be covered by the MIBI. But, if this does happen were to happen to you, would you know how to go about making a claim?

If you have a comprehensive insurance policy, you must file a report with your own insurer who will handle the claim on behalf of the MIBI. For AA Car Insurance customers, you can file a claim by calling our dedicated 24/7 claims line on 1890 467 100. From there, our claims advisors will be able to guide you through the next steps.

If you don’t have comprehensive cover, you must proceed slightly differently as outlined in the steps below.

1. Visit the Motor Insurance Bureau of Ireland website to notify its team of a claim or to download a copy of the claim notification form.
2. Complete the form including as much detail as you can about the incident and any resulting damage/injury,
3. Keep all the relevant paperwork from the incident as this may help speed up the claim process.
4. Submit the form as soon as possible.
5. The MIBI will acknowledge receipt of the documents and begin its investigation. Depending on the nature of the incident, this may take some time but if you have not received a response within 10 working days we’d advise you to follow-up with MIBI directly.

In the market for car insurance? Don’t forget that with AA Car Insurance you can currently get €100 off your premium when you get a quote online.