What happens when you get into an accident with an uninsured driver? Subscribe If you own a car and have insurance, then the problems caused by uninsured drivers – in the form of accidents they can’t pay for – are being passed to you, says Christelle Colman, spokesperson for Old Mutual Insure, who adds that accidents with uninsured drivers add to the financial burden of those who are responsible and do pay for car insurance. According to a recent study, with South African roads being among the most dangerous globally, the likelihood of an accident occurring that you will have to fork out for as an insured driver is extremely high.