FOREIGN DRIVERS. If my car is damaged by a foreign driver, how can I be sure he is insured?
The EC 4th EU Motor Insurance Directive requires that insurance details of all vehicles in member states can be easily accessed by a national information centre. In the UK, this role is carried out by the MIB via the UK Information Centre."
The 4th Directive was introduced to make it easier for those injured in accidents whilst visiting another EU state to receive compensation by:
* Requiring there to be an Information Centre who can identify the insurer of the other party from the registration plate;
* Allowing the injured party a direct right of action against the insurer;
* Requiring the insurer to nominate a representative in the injured party’s own country who has sufficient powers to settle the claim;
* Ensuring that there is a compensation body to pay the claim in the event that the insurer cannot be identified or is manifestly dilatory in settling a claim.
Check your own car is on the UK MID database at www.askmid.com
