By Jo Jeffries. Last updated 11th April 2022. Welcome to our uninsured driver compensation claim guide. If you’ve been hit by an uninsured driver in the UK, you may still be able to make an uninsured driver accident claim, via the Motor Insurer’s. Bureau. This guide explains how to claim against an uninsured driver. We answer questions such as ‘What happens if you have an accident with an uninsured driver?’ and ‘Can you claim against an uninsured driver or does it have to be through the MIB?’
Making a claim against an uninsured driver -Your questions answered
In the United Kingdom, it is a legal requirement for vehicle owners to have motor vehicle insurance. Driving without insurance is an offence. If you are involved in a road traffic accident that was not your fault, it is customary to make a claim for damages to your vehicle and any injuries you may have from the other driver’s insurance provider. But what to do if hit by an uninsured driver? Drivers may be concerned that they will not be able to claim compensation if they have an accident causing an injury with an uninsured driver. Many people worry it will affect their no claims bonus and other benefits attached to their insurance policy, as well as their insurance premiums. Some people believe that they cannot make a claim if they are hit by an uninsured driver, so may not even pursue the compensation that they are owed.
I was hit by an uninsured driver in the UK, could I claim?Fortunately, if you have been hit by an uninsured driver in the UK, you may still be able to claim compensation. You may opt for a solicitor to handle your claim, who will negotiate on your behalf, to make sure you receive the maximum amount of compensation you could be entitled to receive. Accident Claims UK can offer you advice about how to claim compensation for your road traffic accident that caused an injury and if we can see that you are entitled to claim, we can provide you with a personal injury claims solicitor to handle your case.
If you have been hit by an uninsured driver, call Accident Claims UK for your free consultation. If we can see that you are eligible to claim, we will provide you with a personal injury solicitor to handle your case. Call us today on 0800 073 8801, we will be happy to offer you advice and a solicitor who will start working on your claim as soon as possible. Alternatively, use our online claims form to reach us.
Select A Section
- A Guide To Claims When Hit By An Uninsured Driver In The UK
- What Are Accidents With Uninsured Drivers?
- What To Do If Hit By An Uninsured Driver?
- Could You Claim Through The Motor Insurance Bureau?
- Could You Claim If The Other Driver Is Not Located
- Could You Claim Against Your Own Vehicle Insurance Policy?
- Compensation Calculator For Road Traffic Accidents
- Additional Damages Which Could Be Claimed In An Uninsured Driver Compensation Claim
- No Win No Fee Claims If Hit By An Uninsured Driver
- How We Could Help Accident Victims If They’re Hit By An Uninsured Driver In The UK
- Begin An Uninsured Driver Compensation Claim
- Helpful Resources Relating To Being Hit By An Uninsured Driver In The UK
In the UK it is an offence to drive without motor insurance. At the minimum drivers should have 3rd party insurance. The penalty is up to six points on the offender’s driving licence and a £300 fine. If the case goes to court, the offender could be disqualified from driving and receive an unlimited fine. Despite this penalty, there are still people who take the risk and drive without insurance. In 2016, The Motor Insurance Bureau (MIB) reported that there are 1 million uninsured drivers on the roads of the United Kingdom, and shockingly, every three days someone is killed by uninsured and hit and run drivers.
If you are involved in a road traffic accident, that was not your fault, it is customary to make a claim for damages to your vehicle and any injuries you may have from the other driver’s insurance provider. Fortunately, if you have been involved in an accident with an uninsured driver that was not your fault, you may still be able to claim compensation for any damage to your vehicle, physical and psychological injuries you may have suffered. In this uninsured driver compensation claims guide, we will explain what to do.
A road traffic accident is when vehicles collide. Types of vehicle and car accidents include: rear-end collisions where one vehicle drives into the back of another vehicle, head-on collisions where two vehicles impact into each other, t-bone accidents when a vehicle crashes into the side of another, and sideswipe accidents where one car hits another, sideswipes another vehicle as it passes. There are also single-vehicle crashes, where a driver crashes into an object such as a lamp post or a wall, the driver is almost always at fault for these sorts of accidents.
When a car crash or vehicle accident occurs, the police may investigate the accident to find out who is at fault. If one driver is found to be at fault, the other driver will be able to make a claim against their motor vehicle insurance, for damages to their vehicle. If the driver who is not at fault is injured, they will also be able to make a personal injury claim against the other driver’s insurance. It is possible to claim compensation if you are hit by an uninsured driver. Unfortunately, if you have an accident that caused an injury with an uninsured driver, claiming can be more complicated.
Many clients ask us, “I’ve been hit by an uninsured driver, what do I do?” If you have been involved in a car accident, or motor vehicle accident that caused an injury with an uninsured driver who is at fault, you can do the following at the scene of the accident to collect evidence to support you when you make a compensation claim:
- You must report the accident to the police within five days of it taking place. If you or another person is seriously injured, call 999 for an ambulance.
- Takedown the make, model, and registration number of the other car.
- Speak to the other driver. Try not to say “I’m sorry” or “that was my fault”, as it may be taken as an admission of fault. After car accidents, it is normal for both drivers to exchange contact details (name, address and telephone number) as well as details of their insurance provider. If the other driver refuses to give you these, it might be a sign that you have been hit by an uninsured driver. Instead of engaging in an argument with the other driver, we recommend that you make a report to the police.
- Take photographs of any damage to your vehicle or visible injuries you may have. This may be used as evidence if your claim is investigated.
- Speak to any bystanders who witnessed the accident and take down their contact details (name, address and telephone number). They may be required to give evidence if your claim is investigated.
If you have been hit by an uninsured driver, what should you do about claiming compensation for your injuries? If it turns out that the driver who hit you is uninsured, call Accident Claims UK. You may be able to claim compensation for being hit by an uninsured driver through the Motor Insurance Bureau, MIB. Please continue reading this uninsured driver compensation claims guide to learn more.
“I’ve been hit by an uninsured driver, what should I do?”
The Motor Insurance Bureau is an organisation that was set up to pay compensation to people who are involved in accidents with an uninsured driver or an untraced driver. The MIB is funded by taking a cut of the premiums from insured drivers. If you were hit by an uninsured driver call Accident Claims UK if we can see that you are eligible to claim, we will provide you with a personal injury solicitor to handle your case.
Will The Motor Insurance Bureau Investigate My Claim?
Yes. If you report your accident that caused an injury with an uninsured driver to the Motor Insurance Bureau, they will investigate to make sure that you have legitimate grounds to make a compensation claim. They will also try to trace the party responsible for your accident if the driver is unidentified.
Could Claims Always Be Made Through The Motor Insurance Bureau?
There are some instances in which the MIB will refuse to pay you road traffic accident compensation:
- You were driving under the influence of alcohol.
- You were a passenger being driven by a driver, who you know was not insured to drive that car or vehicle.
- If the evidence confirms you were wholly responsible.
We’ll explain more about this as we continue through our uninsured driver compensation claims guide.
If a driver is involved in a road traffic accident they are required by law to stop, even if the accident is a minor one. If a driver drives away from the scene of the accident, this is called a “hit and run”. Often the driver does this if they are uninsured and wish to avoid penalties, or avoid prosecution if they were driving dangerously. Usually, the driver cannot be traced.
Fortunately, it is also possible to claim compensation for a road traffic injury through the MIB if you were hit by an untraced driver. For claiming compensation for an accident causing an injury with an uninsured driver or an untraced driver, we recommend you use a solicitor to handle your claim and negotiate with the Motor Insurance Bureau to get you the optimal amount of compensation you could be entitled to claim. Contact Accident Claims UK, to enquire.
If you are hit by an uninsured driver and have comprehensive car insurance, you can also make a claim from your own insurance provider for vehicle damage. Unless your no claims bonus is protected by your policy, it will probably be affected, increasing your car insurance premiums. If you make a successful claim with the Motor Insurance Bureau, they may reimburse your insurance company for their payment, which will cancel any increase to your insurance premiums and reinstate your no claims bonus.
You can use this calculator to estimate how much compensation you could claim. This table looks at compensation for many injuries. It does not include payments for damages to your vehicle, or special damages you may be awarded for expenses you have suffered as a result of your injuries, such as medical expenses. This is an approximate estimation of how much compensation you could receive, for an accurate estimate, call Accident Claims UK to speak to an experienced advisor.
|Type of Injury||Notes||Compensation Bracket|
|Severe neck injuries (ii)||Cervical spine disc injuries or serious fractures. Disability could be considered severe. An example could be permanent damage to the brachial plexus.||£61,710 to £122,860|
|Severe neck injuries (iii)||Fractures and/or dislocations or severe damage to tendons or soft tissue. Cases would be assessed in terms of the seriousness of symptoms experienced, prognosis and treatment required to determine the award.||£42,680 to £52,540|
|Moderate neck injuries (ii)||Injuries including wrench-type injuries and other soft tissue injuries that lead to a serious limitation on movement. Recurring pain, cervical spondylosis, discomfort and stiffness may also feature. Future surgery may be required.||£12,900 to £23,460|
|Neck injuries – soft tissue - minor (i)||The extent of symptoms, the length of suffering, the severity and the impact of the injuries on the social/work life of the injured person would determine the level of compensation. Cases in this bracket would usually have a recovery period of one to two years.||£4,080 to £7,410|
|Fractures to the clavicle||The extent of the injury, how disabling it was, whether it was a permanent injury, and the presence/absence of residual symptoms would determine the level of compensation.||£4,830 to £11,490|
|Arm injuries – severe (a)||Injuries that are not quite amputations but leave the injured person little better off than if they had lost the arm.||£90,250 to £122,860|
|Arm injuries – Less severe (c)||While a substantial recovery would likely have taken place, or be expected, but where the initial injury would have caused significant disability.||£18,020 to £36,770|
|Injuries to the elbow - (a) A Severely Disabling Injury||Causing severe disability||£36,770 to £51,460|
|Very serious leg injuries||Causing permanent problems with mobility. Crutches or other mobility aids may be required for the rest of the injured party’s life. Examples of such injuries could include multiple fractures, which have led to years of recovery, with the injured party requiring an extensive level of treatment. Deformities and movement limitation would still remain and the injured party may need further surgery in the future.||£51,460 to £85,600|
Factors that could influence the level of compensation you could get could be the level of severity of your injury, how it has affected you and whether you need further treatment. And to evidence this, you would need to attend an independent medical assessment with a medical professional that is not connected to your case. They would need to examine you, and could order further tests to get a full picture of your injury. Once they had done so, they could go ahead and write a medical report that your solicitor could use to argue for compensation on your behalf.
Your solicitor could use the publication known as the Judicial College guidelines to help fight for the maximum compensation possible for your claim. If you would like to find out how to arrange a medical appointment or to have someone arrangement for you please get income touch. We will be happy to assist you.
Need Help With An Uninsured Driver Compensation Claim?
We can’t list all injuries in this uninsured driver compensation claims guide, so please don’t worry if yours isn’t listed. You could still be entitled to claim.
If you make a claim for injuries caused by a car accident, you will be awarded two heads of claim. The primary part of your compensation package will be damages for your pain, suffering and loss of amenity. The secondary part of your package will be special damages which will reimburse you for any out of pocket expenses that you have experienced, as a result of being injured, such as travel expenses, medical expenses or reimbursement for loss of earnings. In the very unfortunate circumstances that you became permanently disabled as a result of your injuries, you can claim for funds to pay for any at-home care, mobility equipment or home and car adaptations you may now be in need of.
Accident Claims UK gives clients the option to make their claim on a no win no fee basis. This means that instead of paying a non-refundable solicitors fee before you begin your claim, you will pay us a success fee, on the condition that we win your case. The fee is deducted from your final compensation package, making no win no fee the more affordable option for many. In the unlikely event that we do not win your claim, you will not be charged a fee, so there is less financial risk involved.
Call Accident Claims UK today, to see if you are eligible to claim. If you have legitimate grounds to claim, we will provide you with a no win no fee solicitor to handle your case.
If you have been hit by an uninsured driver, what to do? Start by calling Accident Claims UK to see if you are owed compensation. If we can see that you have legitimate grounds to claim, we will provide you with a solicitor to handle your claim.
Helping You Make An Uninsured Driver Compensation Claim
What we can offer you:
- The advice and skills of a knowledgeable solicitor, who will negotiate with the MIB on your behalf.
- We will value your claim accurately based on the outcome of your medical assessment, and will push to win you the maximum amount of compensation you could be owed.
- You will have the option to make a no win no fee claim, so you will only have to pay a success fee if you win your claim.
Using a personal injury solicitor to help with uninsured driver claims
During this uninsured driver compensation claims guide, we’ve explained that where a driver is uninsured, you could be compensated through the Motor Insurers’ Bureau. While you’re not going through an insurance company, you will need to provide a lot of information about your accident and injuries when claiming through the MIB.
Evidence Needed When Making An Uninsured Driver Compensation Claim
It is essential that when claiming through the MIB, you provide ample evidence of your injuries and consider any future suffering too. Otherwise, you could be left out of pocket as you’re only able to claim once. If you let one of our specialist solicitors represent you, you can be sure that they will consider your case thoroughly before submitting it to make sure everything is included.
As well as arranging for a medical assessment, your solicitor will also gather any other evidence that could help. They will be the liaison with the MIB so you don’t need to speak with them. Rest assured, though, you’ll be kept up to date throughout your claim.
Call Accident Claims UK today, to see if you are eligible to claim. If you have legitimate grounds to claim, we will provide you with a no win no fee solicitor to handle your case.
You’ve reached the end of our uninsured driver compensation claims guide. Therefore, to begin your claim for a car accident or motor vehicle accident that caused an injury that was not your fault call Accident Claims UK today on 0800 073 8801. Alternatively, use our online claims form to reach us. We’re looking forward to hearing from you.
A Guide To Car Accident Claims – Check how much compensation you may claim for injuries caused by a car accident?
Cycling Accident Claims & Advice – Check how much you could claim in compensation for your injury.
Uninsured driver accident claims statistics
While we cannot give you numbers pertaining to the amount of casualties that occur due to uninsured driving in the UK in 2020, we can provide you some general road traffic accident statistics.
On the roads of Great Britain in 2020, provisional figures from the Department for Transport (DfT) revealed that there were over 115 thousand casualties of all severities. This number was lower than the previous year, but this could be due to the coronavirus pandemic, during which there was significantly less traffic than usual.
You can see how this compares across all severities of injury in the graphic below.
What type of road user do I have to be to claim against an uninsured driver via the MIB?
Any type of road user could claim against an uninsured driver via the MIB if the uninsured driver were at fault for their injuries and accident by way of negligent driving. For example, you could make a claim as a passenger, pedestrian, motorist, cyclist, or motorcyclist.
If you’re wondering how often different types of road users are injured on the roads of Great Britain, we can look at the DfT statistics.
You can see the road user types injured in 2020 below.
Can you claim against an uninsured driver?
You could claim in some cases against an uninsured driver. However, they would need to have the available funds to compensate you. This is why claims for accidents with uninsured drivers often go through the MIB. Why not call our team to find out whether you could claim against an uninsured driver or via the MIB?
Where can I find out how to claim against uninsured drivers?
You can call our team for a free eligibility check and to find out how to claim against uninsured drivers. We could then offer advice based on the specific circumstances of your case.
What happens if you have an accident with an uninsured driver?
If you are injured in an accident with an uninsured driver, you should report this to the police. It’s a legal requirement to have third-party insurance on the road as per the Road Traffic Act 1988. If you would like to claim compensation for such an accident, you could call our team for advice and support.
External Resources If You Were Hit By An Uninsured Driver In The UK
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