Uninsured drivers are ten times more likely to drink and drive and three times more likely to be convicted of driving without due care and attention. They also cause one accident every six months. In fact one in twenty motorists regularly drive without insurance. It’s therefore not perhaps surprising that, one in ten of all motorists have been involved in accidents with uninsured drivers. The question is what to do if you’re involved in an accident with one?

At the time of the accident you’re unlikely to realise that the other driver is uninsured so you’ll have to react in the normal way. Take a note of the other car’s make, model and registration number. Also note the other driver’s name and address - but whether he’ll give you his correct details is perhaps unlikely! Nevertheless, always record what the other driver says. Unless you have this information you’ll have no leg to stand on when it comes to getting some of your money back.

Also take notes about the damage to the other car and the accident scene. Remember to note road markings, road signs, light and weather conditions and whether the other car had its lights on - in fact as much detail as possible. Then if you’re lucky enough to have an independent witness get their full contact details. And if you happen to have a camera in the car, take lots of pictures - and try and get one with the other driver clearly in the picture. The police might like that one!

If your policy is comprehensive, your insurer pay for your car to be repaired but you could lose your no claims discount unless you’ve paid to protect it. But then there’s the issue of your excess payment - that’s the first part of the repair cost you have to pay for. You’ll have to pay that unless you’re lucky enough to have a policy that waives the excess payment if you’re hit by an uninsured driver.

For those of you with third party car insurance, you’re in for a hard time. Your insurer won’t pay for your repairs and, as the other driver is uninsured, you’re not going to get any money off him unless you can trace him and succeed in a court action. Even then there’s no guarantee that he’ll pay up! Your only guaranteed solution is to make a compensation claim to the Motor Insurers’ Bureau - but you’ll still have to pay the first £300 of the claim.

The Motor Insurers’ Bureau insists that have the other drivers’ car registration number and you must first report the accident to the police. Always ask the police for a copy of their accident report as the Bureau’s likely to ask to see it. The Bureau’s telephone number is 01908 671681 or you can e-mail them on enquiries@mib.org.uk.

At the moment The UK’ Law is being amended to crackdown on uninsured drivers. Not before time. Anyone keeping, not just driving, an uninsured vehicle now faces a fixed £100 fine and can also have their car seized and crushed. Currently the average fine for driving without insurance is just £170 and that’s hardly a punishment when car insurance costs many times more. Losing the car plus a fine of £100 is much more realistic. Let’s hope that the courts fully implement the crushing sanction!

A police spokesman said recently, ” Uninsured drivers are often guilty of many other driving related offences, such as having no driving licence or MOT certificate. We’re doing everything in our power to get these dangerous and illegal drivers off our roads”.

We say, go to it blues and two’s!

Brokers Online contains information on car insurance, life cover and pet insurance

Encountering any fraud reporting website that advertises pyramid schemes or promoting scams should be taken mostly as fable and untrue.

Along with exchanging links with work at home sites promoting scam. These websites have no credibility whatsoever. However, it seems real hypocritical when forum moderators are involved in pyramid schemes for profit.

People are using such sites as their own personal recruiting ground for pyramid schemes and scams. Some People get banned for stating truth and facts about scams on such forums. Let alone state their own opinion about what goes on. People are hate filled and have turned some forums into a smear site for their own hatred. The thing that is more tragic when site owners allow it. It sets a bad example for consumer advocate and fraud reporting websites.

First things do be done when operating a fraud reporting forum.

1) Appoint moderators that are not involved in Fraudulent Business deals. Remove them when they do get involved in fraudulent deals
2) Dump any advertising that will bring your site into critical questioning.
3) Revoke links to hate sites and websites promoting frauds.

4) Remove links to sites advocating criminal activity.

Fred over at http://www.makingtherun.com Mentions
Most MLM and scam prevention boards are recruiting sites for — “scams”

Sites selling seal of approvals really mean nothing. Most developed into promoting link farms like free for all sites that help very little for advertisers. They have come into corruption and nothing more than a Jerry Springer show, spreading urban legends such and are more likely to be rumor farms.

Some forums even have other rogue posters defend people that have been caught lying to other forum users. And anyone exposing a fraud with documented proof is likely to be kicked off that forum. It has been proved that some moderators at such forum are involved in MLM pyramid deals which some are purely scams.

To tell if the scam reporting forums are promoting questionable business opportunities on that are deceptive. Here are some tips to go by.

1) Moderators that are involved in Fraudulent Business deals.

2) Deceptive advertising.
3) Links to hate sites and websites promoting frauds.
4) Links to sites advocating any criminal activity.
5) Constant flame wars and sometimes encourage by unethical moderators.
6) Bad language and sites hiding under the guise of free speech.

According to some information at hand, the only things going on such forums are flame wars and attacking legitimate businesses. Forums conducted in that manner should be avoided like the plague.

Websites advocating scam baiting in which you enter into a dialogs with Nigerian scammers simply to waste their precious time and resources. While you are doing this, you will not be helping to keep the scammers away from real potential victims. However, you will be putting your life and family in danger not to mention engaging in illegal activity.

Some sites Claim advertising doesn’t work then promote e-books via the unethical marketing method. This method involves with a roll over offer expires at midnight that rehashes the deal after the offer expires. When a website is encountered, it should not be taken lightly but is suggested to avoid doing business with them

More information about this fraudulent scam reporting web forums and websites are on the dumbexperts website and more will be added in the near future.

William Jaroske is an Internet web marketer and a well informed consumer advocate with ethical common sense. His website http://www.dumbexperts.com should not be considered a fraud reporting website. However, be used for educational purposes Providing internet resources and promotional offers.