The coalition is cracking down on people who drive without proper insurance. Every year there are around 160 fatalities caused by drivers who are uninsured and untraceable. A further 23,000 people suffer personal injuries. But it is honest drivers who pay the price because car insurance premiums have increased to compensate for the rise in personal injury claims.
Car insurance premiums include about £30 that covers the cost of accidents involving drivers without insurance. Research conducted by Direct Line and Brake suggests that as many as 3.3 million motorists have been involved in a crash with an uninsured driver.
There is a very real risk from these drivers and Mike Penning, the road safety minister, has now published new regulations giving the DVLA more powers to put an end to the practice. As from June, it will become an offence to keep a vehicle without insurance.
Personal injury solicitors often see victims of accidents caused by uninsured drivers. The injured party obviously wants to claim personal injury compensation from the driver but in many cases the perpetrator of the crime left the scene immediately.
Julie Townsend from Brake, the road safety charity, said that research has shown that people who drive uninsured are more likely to be involved in accidents and cause fatalities. It is therefore imperative that action is taken to remove these illegal motorists from the roads.
Another thing that pushes up the price of car insurance is a practice called fronting. 10% of people admit to fronting and 25% think it’s legal. Fronting generally occurs amongst newly qualified motorists who persuade a parent to front their insurance so they pay a lower premium.