Accidents with Uninsured Drivers Claims

An Uninsured Driver Accident Claim is the legal process for you to get compensated if you are injured by a driver who is not covered by insurance.

There are an estimated one million uninsured drivers on the road in the UK today, although it is a criminal offence to drive without insurance.

Drivers without insurance are more likely to leave the scene without identifying themselves - a hit and run accident - through fear of prosecution or disqualification.

An Uninsured Driver Accident Claim is totally justified where you are injured due to the fault or negligence of others, even when the party responsible cannot be identified or does not have insurance.

The experienced team at PSR Solicitors in North Wales and Cheshire, will guide you through the entire process to ensure the best possible settlement is achieved.

Pursuing compensation for your accident is not something you have to do on your own, you need the specialist advice we have become recognised for.

Trust us to help you.

*Please note that new regulations apply for all car accidents after 01/06/21 and compensation will now be awarded as per a Government tariff scheme.

No Win No Fee Injury Claims

No charges, even if your claim is unsuccessful
No ATE Insurance to pay
Direct access to your own qualified solicitor
We don't pay referral fees... so you keep more of your compensation

About making an Uninsured Driver Accident Claim

If the driver involved in an accident is uninsured, they may choose not to stop, or pretend to pull over and then speed off before you can obtain their details. This is unfortunately a regular occurrence in England & Wales.

This leaves you, the injured party, unable to pursue a normal accident claim as there is no-one to claim against.

If the person does stop, how do you know if they have insurance or not?

Sometimes, the person might be honest and admit it to you, but it is always best to check yourself on www.askmid.com by searching for the registration number. It is recommended you do this at the scene as long as it is safe to do so.

Being injured is upsetting enough but not being able to identify the person responsible, or finding out that they do not have insurance, is likely to have amplified your emotions. Fortunately, there is a system in place to protect you. If you are involved in an accident with an uninsured or unidentifiable driver, your claim for compensation will be made through the MIB.

What is the Motor Insurers’ Bureau (MIB)?

The Motor Insurers’ Bureau (MIB) is an organisation founded with the intent of dealing with compensation for accidents involving uninsured or untraced drivers. Every insurer providing compulsory motor insurance in the UK is obligated to have an agreement with the MIB as outlined in the Road Traffic Act 1988.

If the responsible party for a road accident is formally identified, and shown not to be covered by a valid insurance policy, the MIB may step in and deal with the compensation claim against an uninsured driver for the victim. They may also oversee claims against untraced drivers, or for accidents involving drivers covered by a foreign insurance company.

Claims can include damages to the vehicle, such as the costs to repair or replace it when the claimant is not comprehensively insured, property damage, medical costs, and any other losses occurred because of the accident.

The MIB is funded by mandatory contributions from all UK motor insurers, and untraced or uninsured driver compensation claims cost law-abiding drivers an estimated £30 a year in car insurance premiums.

How do I claim compensation for injuries in an accident with an uninsured driver?

The Motor Insurers Bureau (MIB) estimates that up to 10% of all vehicles on our roads are uninsured vehicles. That means if you are hit by an uninsured driver, there is no policy in place to cover your personal injury and other losses.

Fortunately, the MIB has a scheme in place for Uninsured Drivers.

In some situations, the driver may not have insurance to drive that vehicle, but the owner of the car does. As long as somebody is insured to drive the car there is a good chance the innocent victim will be able to claim compensation from that insurer.

However, it may take an experienced professional to uncover the truth of the matter and get the compensation you are entitled to.

If you are involved in an accident with an uninsured driver, you can submit an electronic claim with the MIB, which our expert Uninsured Driver Accident Claims solicitors can help you prepare for investigation. The MIB must respond to your claim within 30 days.

If liability is admitted by the uninsured driver, we will then proceed to arrange medical examinations and damage reports to submit a settlement request to the MIB. This will include a compensation amount to cover all your losses, pain, and suffering.

Your settlement may be accepted, or you may receive a counter-offer. This stage of negotiations is usually where most claims are settled, however we may make an application to the court if the negotiation breaks down.

Do I have a time limit to make an Uninsured Driver Accident Claim?

If you are making a personal injury claim for an accident involving an uninsured driver, you must submit your claim within 3 years of the accident, or from the date of knowledge. This is the date in which the full extent of your injuries has been assessed and diagnosed. There are a number of exceptions, such as accidents involving minors or those lacking mental capacity.

Claims for property damage can be made up to 6 years from the accident in England and Wales.

It should be noted that you may not be eligible to make a claim with the MIB if you were aware that the vehicle or driver in question was not properly insured. If you had reason to believe the vehicle was stolen or uninsured, you cannot make an uninsured driver injury claim - rather, you may sue the driver directly for damages.

Contact our Uninsured Driver Accident Claims experts

If you are looking to claim compensation for an accident with a car with no insurance and you want free advice from a fully qualified solicitor then please contact us now.

Using one of our specialist RTA Solicitors ensures that you have a better chance of winning your claim and receiving all of the compensation and help that you are entitled to all on a No Win No Fee basis. This means that you won't have any legal costs to pay if your claim is unsuccessful so No Win No Fee = No Risk To You.

We have offices throughout North Wales and Cheshire (Colwyn Bay, Ellesmere Port, Rhyl, Shotton, Wrexham, Wallasey, and Chester) and as one the leading teams of Personal Injury Solicitors in Wales and in Cheshire, you can contact us safe in the knowledge that one of our expert No Win No Fee Solicitors will take care of everything for you on a No Win No Fee basis allowing you to carry on with your life whilst we proceed with your legal case.

Your key contacts for Whiplash Injuries

If you are looking to seek compensation for a road traffic accident and you want free advice from a fully qualified solicitor then please contact us now. Using one of our No Win No Fee Solicitors ensures that you have a better chance of winning your case and receiving the reward and help that you are entitled to all on a No Win No Fee basis. This means that you won't have any legal costs to pay if your case is unsuccessful so No Win No Fee = No Risk To You.

Richard Layfield LLB (Hons)

Solicitor - Head of Personal Injury

As an experienced personal injury and civil litigation Solicitor, I represent Claimants in all manner of personal injury case work including injuries as a result of Road Traffic Accidents, Accidents at Work, and Occupiers Liability Accidents. I handle all types off personal injury claims from the minor right through to complex, serious injury claims.

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