SIR – Philip Bird (Letters, October 16) cannot see why uninsured drivers are 12 times more likely to have accidents. If he reads the T&A Court File he will see that most uninsured drivers have no driving licence either, and often no MoT.
They have not just forgotten to renew their insurance: they never had any. Some will already have been banned by a court from driving. Simply, they disregard the law and are incompetent drivers. They are quite likely to disregard red traffic lights and speed limits too.
There are not many cases where they only have no insurance. Check it out!
L A Hobsbaum, Willow Crescent, Bradford
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