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Expert Solicitors For Uninsured Driver Claims
Uninsured driver claims enable victims to seek compensation for their injuries. A No Win No Fee solicitor can help you navigate the claims process.
£100 million in compensation
Expert Solicitors For Uninsured Driver Claims
Uninsured driver claims enable victims to seek compensation for their injuries. A No Win No Fee solicitor can help you navigate the claims process.
AS SEEN ON
If you are involved in a road traffic accident with an uninsured or untraced (hit and run) driver you could claim compensation via the Motor Insurers’ Bureau (MIB). This is an organisation funded through insurance companies via a levy on all vehicle insurance policies. The MIB steps in for cases either where the driver at fault can not be traced, or where they do not have a valid insurance policy in place. Their role is to pay compensation to any victims and maintain the motor insurance database, recording insured vehicles. Our team could help with untraced and uninsured driver claims.
Whilst uninsured driver claims can be more complicated, the absence of insurance cover does not prevent you seeking compensation. To claim compensation you must report the accident to the police, will need to collect evidence, and could benefit from the help of a specialist personal injury solicitor.
Find out how JF Law could help you.
- Click to contact us via our form.
- Call our team on 0151 375 9916.
What Are Uninsured Driver Claims?
Uninsured driver claims are a way for those harmed in accidents where the driver at fault does not have a valid motor insurance policy in place to seek compensation. Typically, these claims are facilitated by the Motor Insurers’ Bureau, with compensation being awarded for injuries and well as out-of-pocket expenses. Uninsured driver claims act as a safety net, ensuring that those injured in this type of accident still have a route to claim compensation.
Please contact us for help with your claim against an uninsured or hit and run driver.
Can I Claim After An Accident With An Uninsured Driver?
Yes, you can claim compensation for your injuries and financial losses after an accident with an uninsured driver. To do so, you must show that your case satisfies three key points.
1. The Other Driver Had A Duty Of Care
All motorists, drivers, and others using the roads in the UK must adhere to the Highway Code and the Road Traffic Act 1988. Per this, they must use the roads in a way which does not place themselves or others in danger.
2. The Uninsured Driver Caused An Accident
In addition to driving without insurance, the other party must be shown to have caused an accident. This may be by failing to stop at a pedestrian crossing and hitting someone, failing to give way at a junction and colliding with a stopped car, a collision when speeding, or otherwise not driving with due care and attention.
3. The Breach Caused Your Injuries
You must have suffered physical and/or psychological injuries in order to receive compensation. Injuries can range from the minor through to the serious.
An advisor could assess whether your case meets these criteria. If it does, they could connect you to one of JF Law’s specialist solicitors.
Uninsured Driver Claims Examples
Examples of accidents caused by uninsured drivers could include those caused by failing to pay due care and attention, not stopping at a pedestrian crossing, or striking a cyclist when changing lanes.
Circumstances in which you could claim compensation may include,
- A driver speeding on a high street. They fail to observe a pedestrian stepping on to a zebra crossing. The driver fails to stop in time, striking the pedestrian, causing them head injuries.
- A driver fails to slow down when approaching a give way sign at a junction, they do not check for approaching cars and strike a passing vehicle. The driver of this vehicle is hit side on, suffering neck and shoulder injuries.
- A driver does not check their mirrors when changing lanes on a dual carriageway. They cross into the path of an oncoming motorcyclist, knocking them off their bike. The motorcyclist suffers extensive injuries across one side of their body.
Please get in touch with our team to learn more about the circumstances in which uninsured driver claims could be made.
What Injuries Can Uninsured Driver Claims Cover?
Uninsured driver claims can cover a wide range of minor to severe and life-changing physical or psychological injuries. Potential injuries covered by such claims could include,
- Whiplash – this is a common injury sustained in road traffic accidents.
- Soft tissue injuries, such as sprains and strains affecting muscles, tendons, and ligaments.
- Fractured and broken bones.
- A severe head or brain injury.
- A psychological injury.
These are just some examples of the types of injuries which could be covered by uninsured driver claims. Get in touch with our team to make your claim.
We pride ourselves
on providing the best service
possible for our clients.
We pride ourselves on providing the best service possible for our clients.
How Much Compensation Is Awarded For Uninsured Driver Accidents?
How much compensation is awarded for accidents involving uninsured drivers may be based on the type of injury sustained and whether you also experienced any financial losses. Compensation settlements can be made up of two parts, general damages and special damages.
General damages are awarded for physical and psychological injuries and may be valued using the Judicial College Guidelines (JCG). The JCG is a resource used by legal professionals and courts in determining how much an injury may be worth.
We take figures from the JCG to populate rows 2 – 8 of the following table. The figure in the first row is an illustrative example of what could be awarded where special damages are taken into consideration. Those in the final 2 rows are taken from the fixed tariff awarded in cases of whiplash injuries. This tariff is taken from the Whiplash Injury Regulations 2021.
| Injury | Notes | Damages |
|---|---|---|
| Multiple injuries + special damages for medical bills, care costs, and lost income. | Severe injuries. | Up to £1,000,000+ with special damages. |
| Paralysis – tetraplegia. | Cases may also involve head and brain injuries. | £396,140 to £493,000. |
| Brain damage, moderately severe. | Insight, physical limitations, and dependency can affect compensation. | £267,240 to £344,150. |
| Chest injuries (a). | Serious cardiac damage and/or the loss of a lung as well as prolonged pain and suffering. | £122,850 to £183,190. |
| Neck injury, severe (ii). | Serious fractures or cervical spine/ disc damage. | £80,240 to £159,770. |
| Back injury, severe (ii). | Loss of sensation due to nerve root damage and impaired mobility, bowel function, and sexual difficulties. | £90,510 to £107,910 |
| Shoulder injury, severe. | Involving brachial plexus damage and related to neck injuries. | £23,430 to £58,610. |
| Elbow injuries, less severe. | Where function is impaired, but does not require major surgery or cause significant disability. | £19,100 to £39,070. |
| Whiplash, with minor psychological injuries. | Lasting 18 – 24 months. | £4,345.00 |
| Whiplash injuries | Lasting 18 – 24 months | £4,215.00 |
Will The MIB Cover Out For Financial Losses?
The MIB will cover financial losses, such as medical bills, associated with uninsured driver claims. These losses are assessed under the second part of a settlement, special damages. Financial losses the MIB may cover include,
- Medical expenses.
- The cost of domestic care and support.
- Lost income and earnings.
- Travel costs (getting to and from medical appointments).
The MIB will need to see evidence of these losses in order for them to be included in your claim. You may use bank statements and invoices as verification.
Please contact our team for an assessment of what you may be eligible to claim in compensation.
What Is The Uninsured Driver Claims Process?
The uninsured driver claims process involves reporting the road traffic accident to the police (and your own insurer, when relevant), collecting evidence, and filing a claim through the Motor Insurers’ Bureau.
Steps you can take:
1. Get Medical Treatment
Following a car accident, you may need to call for paramedics, visit a hospital, or visit your GP. This prioritises your health, gets the care you need, and creates official medical records detailing your injuries.
2. Report The Accident
Road traffic accidents in which someone was injured must be reported to the police within 24 hours of the collision. When you do so, you can ask the police for a crime reference number. Accidents may also be reported to your own insurance company.
3. Gather Evidence
You need evidence of what happened, which can be submitted to the MIB including,
- Police reports and crime reference numbers.
- Dashcam/ CCTV footage.
- Photos of the scene of the accident, damage to vehicles, and of visible injuries.
- Witness contact details.
- Medical evidence.
4. Keep An Injury Diary
Keep a simple record of how your injury is affecting you. You can record,
- Day-to-day symptoms.
- Pain levels.
- Medical appointments and treatments.
- Out-of-pocket expenses.
5. Talk To A Solicitor
Consulting with a specialist solicitor as early as possible can help you to understand your legal options. A solicitor could confirm whether your case falls within the scope of the Uninsured Drivers Agreement and whether you could pursue a claim via the MIB.
6. Claim Within The Time Limit
The limitation period in which most claims must be started is 3 years from the date of the accident. This is set by the Limitation Act 1980. However, there are circumstances in which the time limit may differ.
Contact us to learn more about uninsured driver claims.
Uninsured Driver Compensation Claims With JF Law
JF Law can handle uninsured driver compensation claims on a No Win No Fee basis, removing upfront solicitors’ fees, enabling victims to take legal action regardless of their financial situation. One of our solicitors could support you throughout the MIB claims process, helping you get the compensation you deserve.
Why Choose Our Solicitors To Pursue An MIB Uninsured Driver Claim?
Choosing one of our specialist solicitors can be a crucial step in pursuing a MIB uninsured driver claim by helping you to navigate the process. MIB claims can be complex and may require expert knowledge.
Key benefits of pursuing a MIB uninsured driver claim with one of our solicitors include,
- Access to specialists to aid with your recovery, such as physiotherapy or rehabilitation.
- Expert navigation of the MIB claims process.
- Arrangement of an independent medical exam to ensure that all of your injuries are considered and valued.
- Negotiation with the MIB on your settlement.
- Solicitors with decades of combined experience who can work remotely or arrange home visits (if required).
No Win No Fee Uninsured Driver Claims With JF Law
JF Law can handle uninsured driver claims, brought via the MIB, on a No Win No Fee basis. One of our solicitors could provide their services via a Conditional Fee Agreement (CFA), meaning that they would not charge any upfront or ongoing solicitors’ fees for the work carried out. In addition, under a CFA they would also not take a solicitor’s fee for any work carried out if your claim fails.
Instead, you would be charged a success fee if the MIB awards you compensation. This fee is taken as a legally capped percentage of your compensation. This ensures that you will receive the majority of your settlement and can access specialist legal help and advice, without worrying about having to upfront or ongoing solicitors’ fees.
Contact Our Solicitors
Contact JF Law and find out how one of our solicitors could support you.
- Phone 0151 375 9916.
- Contact us via our form.
Learn More
You can learn more about road traffic accident claims in these resources.
- Read more about how special damages could compensate you in this guide.
- Here you can learn more about making a zebra crossing accident claim.
- Find out how to claim for a motorbike accident in this guide.
References.
- The government published guidance on how to request CCTV footage of yourself.
- View NHS First Aid resources in this guide.
- View the latest road safety statistics here.
We hope you now know more about uninsured driver claims. Contact us for help and support.
Contact Us
Our helpline is open 24 hours a day, 7 days per week.
All calls are free and there’s no pressure whatsoever to proceed with a compensation claim.
If you write to us, we aim to respond within an hour or two, and no more than a few hours.
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