Uninsured accident blackspots
By analysing claims data from the Motor Insurers’ Bureau, it’s possible to identify the UK’s uninsured accident blackspots, with Bradford West the worst-performing area, closely followed by two West Midlands boroughs.
Table 1 - Constituencies with the highest proportion of uninsured drivers involved in collisions compared to the UK average
|Rank||Constituency||Region||Rate vs. national average|
|1||Bradford West||Yorkshire & the Humber||100% higher|
|2||Birmingham Ladywood||West Midlands||96% higher|
|3||Birmingham Hodge Hill||West Midlands||94% higher|
|4||Bradford East||Yorkshire & the Humber||62% higher|
|5||Birmingham Perry Barr||West Midlands||59% higher|
On the flipside, the East Midlands, North East and South West England, plus Scotland and Wales all experienced lower than average ‘uninsured incidents’.
The impact on law-abiding drivers
The claims data also revealed a higher-than-average probability of injury resulting from accidents with an uninsured driver – with a worrying 82% of claimants who suffered a collision with an uninsured driver in Bradford West, also reporting a personal injury. This can perhaps be explained by the link between uninsured driving and wider criminality – including dangerous driving and hit-and-run incidents, which present a high risk of personal injury.
It’s clear that while a collision with an uninsured driver can have financial implications, these may be overshadowed by the risk of personal injury. Thankfully, regional police forces are seizing the initiative by clamping down on uninsured drivers, and every year more than 100,000 vehicles are seized and taken off the road by police officers around the UK.
What to do if you’re involved in an accident with an uninsured driver
If you’re involved in an accident with another car, you should always take down the following information. • The make, model and registration number of the other vehicle • If possible, the other driver's contact details It’s also important to gather evidence to establish liability. So take note of details like location, driving conditions and road markings. If you have a camera on your phone, take some shots of the scene, and take note of the damage to both vehicles. If there are any independent witnesses to the accident, ask for their contact details too. And if it becomes clear that the other driver doesn’t have insurance, call the police.