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About Road Traffic Accidents involving Uninsured Third Parties
Introduction to claims involving stolen vehicles or uninsured drivers
Who will pay my claim if the third party is uninsured?
How claims against uninsured drivers are dealt with
About the Motor Insurers' Bureau (MIB)
Information about the MIB
News Stories we have published about claims involving uninsured drivers
Claims we have dealt with involving uninsured drivers
Things to do after your Road Traffic Accident
Action to take following an accident with an uninsured driver
Road Traffic Accident Compensation Claim Advice
Start a claim for compensation after an accident with an uninsured driver
It can be traumatic enough to be involved in a Road Traffic Accident but if the person at fault for the accident turns out not to be insured to drive the vehicle or if the vehicle they are driving is stolen, the whole incident can become even more upsetting.
Uninsured drivers can cause injuries to other drivers, passengers, cyclists, motorcyclists or pedestrians.
If you are unfortunate enough to be injured as a result of a road traffic accident, which was not your fault, regardless of whether the driver at fault was insured, then you may be entitled to make a personal injury compensation claim; however, the way in which you make your claim may be slightly different than normal. Contact us on 08000 224 224 for more information.
Uninsured Drivers
If the person at fault for the accident informs you that they are not insured to drive the vehicle involved but that it is insured for someone else to drive, that insurance company may still be willing to deal with claims for injury compensation from an innocent party even though they do not insure the driver. This decision will be down to the discretion of the insurance company involved. If they are not willing to deal with it or if there is no insurance policy in force for the vehicle at all, the only course of action would be to make a claim through the MIB.
The accident must have occurred however on a public road or area to which the public and their vehicles have open and unfettered access. There is a legal obligation for everyone to have insurance for their vehicles if driven on public roads. There is however no obligation to have insurance for vehicles on private roads or places. Employers must have employers liability insurance for employees driving vehicles on their premises but there is no corresponding duty to have public liability or other insurance to cover other vehicle accidents involving members of the public or third parties on the employers private land.
At Thompsons Solicitors we can deal with claims involving uninsured drivers on a cost-free basis. For more information, contact us.
Stolen Vehicles
If the driver responsible for the road traffic accident has stolen the vehicle involved in the accident and is identified by the Police then any insurance policy taken out by the owner of the vehicle may compensate innocent victims of injury. This decision will be down to the discretion of the insurance company involved. If they are not willing to deal with it or if there is no insurance policy in force for the vehicle at all, the only course of action would be to make a claim through the MIB.
At Thompsons Solicitors we can deal with claims involving uninsured drivers on a cost-free basis. For more information, contact us.
The Motor Insurers’ Bureau (MIB) is an organisation which deals with claims for innocent members of the public who have been injured or had their property damaged by an uninsured or untraced driver. It is always an option to deal with the Motor Insurers’ Bureau directly; however, the procedure may be a complicated and lengthy one and most people prefer to have professional legal assistance with this.
At Thompsons Solicitors we can deal with claims involving uninsured drivers on a cost-free basis. We can only deal with claims involving untraced motorists for Trade Union members or their families via their union scheme. For more information, contact us on 08000 224 224.
In the past we have published many news stories on our website about Road Traffic Accident claims for compensation we have dealt with. To read all of these, visit our News Desk.
One particular story which may be of interest is about a man who was knocked down outside his house by an uninsured driver. The 60 year old, who was recovering from a knee replacement operation and using a stick, was walking his dog when a car mounted the pavement and collided with him, knocking him unconscious.
The 15 year old driver of the car obviously had no valid driving licence and no valid motor insurance; however, the car was insured by the employers of his 21 year old passenger who had been provided with the vehicle as a company car. Thompsons' specialist personal injury lawyers recovered £8,000 compensation for the injured man from the insurance company who settled the claim even though they didn't insure the driver.
To read the full story, visit Durham man knocked down outside his home by under age driver secures over £8,000 damages.
If you have been injured as a result of an accident with an uninsured driver or a stolen vehicle, which was not your fault you may be able to make a claim for compensation. Contact us on 08000 224 224 for more information.
As with all personal injury compensation claims, including claims arising from an accident with an uninsured driver, you would need to prove that another person was responsible for your personal injury (in this case, the third party driver).
To help your case you should take names, addresses and telephone numbers of any witnesses to the accident and take photographs of the accident locus if possible. If the third party driver has no valid insurance, leaves the scene or admits to driving a stolen vehicle, you should contact the Police immediately and report the incident.
If you are intending to claim expenses such as prescription costs and travelling expenses, remember to keep receipts as evidence.
At Thompsons Solicitors we can deal with claims involving uninsured drivers on a cost-free basis. For more information, contact us.
If you or anyone you know has suffered an injury as a result of a road traffic accident, telephone us now for accurate claim advice.
There are strict time limits in place to make any injury claim. For further information, contact us or visit our Questions Answered page.
Thompsons Solicitors are experts in all personal injury matters. We will be able to advise you whether or not you have a valid claim for compensation. Our specialist personal injury lawyers will be happy to talk you through the process of making a claim in plain English and will be happy to answer any questions or queries you may have. If you do have a valid personal injury compensation claim and you decide to instruct Thompsons Solicitors to deal with the matter for you, we will recover our legal fees from the person responsible for your injury, ensuring that the entire procedure is cost-free for you. Telephone us now on 08000 224 224 or complete one of our online compensation claim forms.