The Danger of Uninsured Vehicles

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According to TimesLive, there is a total of 11.4 Million uninsured vehicles on South African roads. By making up 70% of the total car population, the risk of being involved in an accident with one of these uninsured vehicles is uncomfortably high. You’re probably thinking, ‘what do I do if this happens to me?’. Well, at CC&A Insurance Brokers we believe in putting our clients’ minds at ease. That’s why we’ve put together a simple process to assist you below.

 

Gather Evidence

After the accident has occurred, it is important to keep calm. Right now it does not matter who is at fault, what matters is that you are okay. Be sure to get the details that you need from the other driver, these are contact information, address, driver’s license details as well as their full name. Take pictures of the scene, both cars and try and get some witness statements as well.

 

Report the Accident

Should police not arrive on the scene, you must report the incident within 24 hours at your local police station. Notify your insurance company that you have been in an accident, inform them that the other driver does not have insurance and give their contact details. Your insurer will then be able to contact the other driver on your behalf.

 

Claims

It is important to keep in mind that the other driver’s lack of insurance is probably due to financial reasons and by taking the matter to court you will probably be left with the bill.

 

However, if you are the one without vehicle insurance and are in the wrong, it is of the utmost importance to report the incident to the police and have a written account of what happened. To settle the claim, you may be able to negotiate a payment plan to repay the debt.

 

Arrive Alive states; “South African vehicle hijackings and road crash statistics provide more than enough evidence to the importance of vehicle insurance.”

 

CC&A Insurance brokers will assist you with any personal insurance you may need, from household contents, personal liability or even your vehicle insurance. Contact us today for more.

“The article should not be considered legal or financial advice and is for information purposes only. You should consult with a professional financial advisor to determine what may be best for your individual needs.”