Car accident claims
Uninsured & Hit-and-Run Claims
It feels hopeless when the other driver had no insurance or simply drove off, but it often is not. With an uninsured or hit-and-run claim you may still be able to claim through other routes, even when there is no insurer to chase. It is worth checking.
Last reviewed: Reviewed by the Auto Crash Claims editorial team
Not being able to claim is not a given
Being hit by someone with no insurance, or by a driver who simply drove off, feels like the end of the road, because there is no obvious insurer to claim from. That instinct is often wrong. There are established routes designed for exactly these situations, so a missing or untraceable driver does not automatically mean you are on your own.
Uninsured drivers
When the driver who caused your accident had no valid insurance, arrangements exist specifically to cover people in your position. It means your injuries, your vehicle and the other costs you have been left with can still potentially be looked at, even though the person responsible was not insured. The specialists we connect you with can tell you whether this applies to you.
Hit-and-run drivers
If the other driver left the scene and cannot be identified, you may still be able to make a hit-and-run claim through routes set up for untraced drivers. Reporting the accident to the police promptly is usually an important step, so do that if you have not already. Then a free, no-obligation claim check is the simplest way to find out where you actually stand.
What you could be owed
- Injury, pain and suffering, plus treatment such as physiotherapy
- Repairs to your vehicle, or its value if it is written off
- A like-for-like replacement vehicle while yours is off the road
- Lost earnings if you have had time off work
- Recovery, storage and your insurance excess
- Out-of-pocket costs caused by the accident
What you could receive depends on your circumstances.
When you can claim
Even where the driver who hit you was uninsured, untraced or drove off, there are established routes that exist specifically for these situations, so you may still be able to make an uninsured or hit-and-run claim. Reporting the accident to the police, and doing so promptly, is usually an important step. Time limits apply, so it is best not to wait to check.
Making a claim is simpler than you think
- 1
Tell us what happened
Answer a few quick questions about your accident. It takes a couple of minutes and there’s no obligation.
- 2
We connect you with specialists
We pass your details to the regulated specialists we work with, who’ll look at whether you have a claim.
- 3
They handle the rest
If you have a case, the specialists can pursue your compensation and keep you updated, while you get back to normal.
Frequently asked questions
The other driver had no insurance. Can I still claim?
Often, yes. There are arrangements set up specifically for accidents caused by uninsured drivers, so a lack of insurance on the other side does not automatically end things. It is worth having your circumstances checked.
The driver drove off and I do not know who they were.
You may still be able to make a hit-and-run claim even where the other driver cannot be traced. Reporting a hit-and-run to the police, and doing it promptly, is usually important, so report it if you have not already, then check where you stand.
Should I report it to the police?
Yes. For uninsured and hit-and-run accidents, a police report is usually an important step and can matter to a later claim. Report it as soon as you reasonably can.
Related
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Common scenarios
Helpful guides
Find out what you could be owed
It takes a couple of minutes, it’s free, and there’s no obligation.