What happens if the other driver is uninsured?

nidirect specifically says accidents involving uninsured drivers should be reported to police.

Collect the other vehicle registration, driver details, witness contacts, scene photographs and any police reference. If the driver leaves, note identifying information without placing yourself at risk.

Your own policy may include uninsured-driver protection or legal assistance, so ask the insurer what route applies before paying for repairs yourself.

For 'What happens if the other driver is uninsured?', check the actual policy wording or insurer confirmation rather than assuming another driver's policy works the same way. Cover, disclosure duties and excesses can vary materially between insurers.

Check the current source for 'What happens if the other driver is uninsured?' before acting if the relevant rule, policy, fee or eligibility has recently changed. Keep any official confirmation or reference number produced by the process because it can help resolve a later query. This note is specific to answer 447.