No insurance, no-go

Road Traffic Law and the Risks of Driving With No Insurance

In accordance with the road traffic act of 1998, it is a legal requirement in the UK that all drivers are covered by some form of insurance policy. These laws are strictly upheld by officials, and the penalties that drivers face for being on the road with no insurance can cost well into the thousands of pounds as well an automatic six to eight points on their license. Therefore, it is strongly recommended that all drivers legally abide by road traffic laws and take out an adequate insurance policy. If you are caught driving with no insurance, it would be advisable to immediately seek the advice of a legal solicitor who specialises in road traffic law.

Being caught driving with no insurance is considered a very serious offence due to the subsequent legal implications of breaking road traffics laws. Therefore, it is of the utmost importance that if you, or if someone you have allowed to use your vehicle is caught driving with no insurance, seeks the best possible legal representation. Under road traffic law, if you have been caught by police for driving with no insurance you could face an immediate temporary driving ban on your license. Typically such a penalty will last for a minimum of 28 days but can also be substantially increased by officials if you are repeatedly caught driving with no insurance cover.

For new drivers who are still subject to a two probationary period, the penalties of driving with no insurance can be considerably harsher. In these cases not only will they face a fixed penalty such as a fine but will also automatically face losing their driver’s licence. In such cases, they will be left with no choice but to meet the unnecessary costs of completely reapplying for their licence and retaking their test.

Driving with no insurance and the subsequent penalties involved are also taken far more seriously under road traffic laws if the uninsured party is involved in a serious car accident. It must be remembered that not only are motorists with no insurance responsible for an estimated £380 million pounds in damages every year, but the subsequent risk they create for other drivers also causes an unavoidable increase in insurance premiums.

Being involved in an accident can be an exceedingly distressing experience for anybody, and when you add the fact that the other party has no insurance policy whatsoever, it can only add to the distressing nature of the incident due to the associated ramifications. In such situations, if you have been involved in an accident that wasn’t your fault, then you may be entitled to claim some form of compensation for any personal injuries, vehicle damages or inconvenience that you may have suffered as a result of a no insurance related accident.