My dad got rear-ended by a car whose driver decided it was best to scarper. Dad and several witnesses got the make and model of the car, the majority of the reg number and a description of the driver.
The police duly attended and took all the details giving dad a crime reference number. Several weeks later he got a letter saying that the police did not have enough evidence to prosecute. 'Never mind' says dad, 'can you let my insurers have the driver details to go through the insurance for the damage'....
Turns out the driver was uninsured. Police sent him a letter asking him to present his details at the local station as it's illegal to drive without insurance. Surprise, surprise, the driver never showed, the letter was never followed up and my dad whistled for the costs. To add insult to injury, they wouldn't give the insurers the driver's details as it's against the data protection act :shutit:
Any wonder why people don't bother with insurance? It's bloomin expensive, and there's little to no chance of being caught. I'd never do it, but I have morals and the luxury of a regular income to help pay for mine.