An uninsured driver accident claim seeks compensation for any personal injury you suffer when in a road traffic accident involving a driver who is not insured. You may have a road traffic accident compensation claim if you are injured in an Road Traffic Accident that is not wholly your fault.
Every driver must be insured when on the road, and if you are in a road traffic accident you may be able to claim against the driver’s insurance company for your personal injury. When the driver is uninsured, you do not have an insurance company to claim against, but a personal injury solicitor may still be able to help you with a personal injury claim.
If you have been injured and your life impacted by a road traffic accident that was someone else’s fault, a compensation claim seeks financial redress for your injuries and financial losses.
When you have been injured in an accident that was not your fault, The Personal Injury Team No Win No Fee solicitors can file your compensation claim for the money you deserve.
Table of Content
What is an uninsured driver accident claim?
An uninsured driver accident claim is for compensation after you have been injured in a road traffic accident that was not your fault. You claim for the damages you suffer today and for the effects of the injury on the rest of your life.
You can suffer lacerations to the hands, face and limbs when hit by another vehicle on the road. Serious injuries such as spinal damage, internal bleeding, a broken pelvis and hips or paraplegia are often the outcome of road traffic accidents.
There are more than 117,000 convictions annually in the UK for driving without insurance. The AA considers that there may be up to one million drivers driving without insurance or adequate insurance cover in the UK.
Recent surveys show that up to 26,000 people are injured in road traffic accidents in the UK each year involving an uninsured driver. A figure that equates to one person being injured every 20 minutes on UK roads.
People are injured by an uninsured driver in their cars, as a passenger, when out for a walk, crossing the high street and when out for a cycle on a Saturday morning. Motorbike riders and E-Scooter drivers are injured regularly by uninsured drivers on UK roads.
Your No Win No Fee personal injury solicitor may seek compensation in an uninsured driving accident claim if you are injured in a road traffic accident that was not your fault.
Common personal injury claims involving an Uninsured driver
Uninsured driver accident claims range from passengers claiming for injury in an RTA to motorbike drivers being knocked off their bike at a junction or pedestrians being clipped when crossing the road.
The uninsured driver is often one who has not passed their driving test or has failed it a number of times and more commonly, simply unable to afford insurance. Young drivers may be driving without insurance and can often drive without care for other road users.
Common uninsured driver accident claims are:
Pedestrian hit by an uninsured driver on busy high street
A pedestrian hit by an uninsured driver on a busy high street could be crossing the road at a Pelican Crossing or standing by a corner and could suffer severe injuries in an accident.
Injuries seen in pedestrian road traffic accidents are:
The pedestrian can claim for compensation in a road traffic accident claim.
Motorbike driver hit by an uninsured driver coming out of a driveway
When a motorbike driver is hit by an uninsured driver coming out of a driveway, they can suffer life-changing injuries. The uninsured driver could be coming out at speed and hit the motorbike with full force.
Injuries seen when an uninsured driver hits a motorbike:
The motorbike driver can make a road traffic accident claim for compensation.
Cyclist hit by an uninsured driver when in the cycle lane
A cyclist hit by an uninsured driver when in the cycle lane may be caught completely unawares and could be knocked in front of oncoming traffic. The cyclist is a vulnerable road user, and the slightest clip could cause many injuries.
Injuries seen in road traffic accidents involving a cyclist:
A No Win No Fee personal injury claim may get compensation for the cyclist hit when on the road.
Young child injured in a family car when hit by an uninsured driver
A young child injured in a family car when hit by an uninsured driver could suffer lifelong injury and severe shock in the road traffic accident. A child is always a vulnerable passenger and may be injured very easily in an RTA.
Injury to children in an RTA includes:
A parent or guardian can make a claim for compensation when a child is injured in a road traffic accident.
Driver in a head-on collision with an uninsured driver
A driver in a head-on collision with an uninsured driver may be killed in the road traffic accident or could suffer traumatic injury, which will affect them for life.
The uninsured driver may be an inexperienced one and can often be involved in such serious road traffic accidents.
Injuries seen in a head-on collision:
The driver or their dependents can make a claim for personal injury in a road traffic accident compensation claim.
Compensation for an uninsured driver accident claim
Depending upon the nature of the injuries suffered, you might be able to seek more than £10,000 compensation for an uninsured driver accident claim, with awards above £10 million in some catastrophic injury cases. Road traffic accidents often happen unexpectedly and at speed, and injuries can be devastating for the victim.
Our Personal Injury Compensation Calculator may give you an idea of what is possible in a road traffic accident injury claim. Every claim is different, but you may get an idea of what is possible for your injury compensation claim.
An injury in an RTA can be a broken limb, nerve damage, severe lacerations, and internal organ damage. You may be unable to work or care for yourself, and you may lose your ability to exercise and play sports.
You can claim compensation for the effects of the road traffic accident today and in the future. The amount awarded depends on the severity of your injury and the impact on your life.
Amounts of compensation seen in uninsured driving accident claims are:
(The figures given here are for General Damages amounts only. You will also receive compensation for any financial losses you suffer due to the personal injury. Figures are taken from Judicial College Guidelines 16th Edition and are accurate as of April 2023.)
There is not one fixed amount for a road traffic accident claim, and the compensation awarded for your injury will be tailored to the circumstances of your claim.
A No Win No Fee personal injury solicitor can tell you what to expect from their experience with uninsured driver road traffic accident compensation claims.
Our Process
We make the claim process as simple and streamlined as possible, and that’s one of the reasons we’re maintain a 4.9 / 5 ★ rating from our customers!
Enquiry
The first step is to get in touch and tell us what went wrong. It’s free and easy. Call our 24-hour helpline: 0800 027 0370 or request a callback here.
Claim Evaluation
Once you have spoken with our team we’ll let you know how we can help. This will involve a thorough case review and understanding of the incident, financial damages and physical injuries.
Legal Letter
Once we are satisfied we have all the information we require and have a full understanding of your circumstances. We send a letter of claim to the negligent party outlining your claim and compensation requirements.
Who is eligible to claim for an uninsured driver accident injury?
You are eligible to claim for a road accident injury if you are injured in an accident that was not your fault or wholly your fault involving an uninsured driver.
If you were driving a car hit by an uninsured driver, you could claim for the facial lacerations, broken limbs, and head injuries you suffered in the road traffic accident.
A cyclist or pedestrian knocked down and injured in a road traffic accident involving an uninsured driver can claim for the injuries suffered and for the effects of the RTA on their life.
Dependents may be able to claim compensation if a loved one cannot represent themselves after a road traffic accident that was not their fault or only partially their fault.
A dependent is defined as:
You may be able to claim compensation if you depend on someone who cannot represent themselves after a road traffic accident or who may have passed away due to an RTA involving an uninsured driver, and your No Win No Fee personal injury solicitor can help with the case.
The Motor Insurance Bureau
The Motor Insurance Bureau, MIB, was founded in 1946 to offer compensation to those injured by uninsured drivers and those injured in hit-and-run road traffic accidents.
If you are injured in a road traffic accident involving an uninsured driver, you may claim against the MIB fund if the accident was not your fault or not wholly your fault.
The MIB levies all motor insurance policies in the UK to build the fund and to keep it capable of financing the claims against it each year.
You are the one who suffered the injury, and if you were injured in an accident that was not your fault, you may be able to claim from insurance, if the driver is insured. You can claim against the MIB fund if you can show you were injured by an uninsured driver on the road.
Your No Win No Fee personal injury solicitor can look at your claim and help you claim against the MIB fund for personal injury compensation.
Fatal uninsured driver accident claim
Nobody ever wants to make a fatal road traffic accident claim, but tragically, death happens in many uninsured driver road traffic accidents. The uninsured driver is often inexperienced and may be travelling too fast, be unable to stop in time and can hit another road user head-on in many accidents.
The dependents of the loved one left behind can make a road traffic accident claim when the family member dies in a road traffic accident involving an uninsured driver.
Dependents can make a claim against the Motorists Insurance Bureau fund when they lose a loved one in an RTA where the driver was uninsured. The dependents can claim for funeral expenses or for the medical care a loved one needed before passing away.
If you depended on your loved one for financial support, you may also be able to make a fatal road traffic accident claim against the MIB.
Your No Win No Fee personal injury solicitor can look at the claim and help any dependents claim against the Motor Insurance Bureau fund for personal injury compensation.
How long do I have to make a claim for a road traffic accident injury?
You have three years to make a claim for a road traffic accident injury. The three years in any Road Traffic Accident injury claim usually begin when you suffered the injury, became aware of the injury, or were diagnosed with the injury you sustained when hit by an uninsured driver on the road.
Personal injury compensation claims for the RTA injury must generally be brought and court proceedings issued within three years of the injury.
In the case of children, such as a child injured in an accident involving an uninsured driver, the time limit for an injury claim only begins when they turn 18. Parents or guardians can start a Road Traffic Accident injury claim for children under the age of 18.
Your No Win No Fee personal injury solicitor can advise you on making the road traffic accident injury claim and how long you have to make any personal injury compensation claim.
Will I have to go to court with an uninsured driver claim?
You are very unlikely to have to go to court to make your uninsured driver accident claim for compensation.
An accident involving an uninsured driver is unlike other road traffic accidents, as you may have to bring your claim to the MIB. The police may prosecute the uninsured driver, which may help your claim with the MIB.
If you follow our advice, the claim process usually goes smoothly, and the vast majority of road traffic accident injury claims will be settled long before court proceedings are needed.
Our personal injury team will fight your case. Even if court proceedings must be issued because, for example, the defendant unreasonably denies liability, the case is still unlikely to end up at a trial.
Very few compensation claims require court proceedings, and even fewer, less than 1%, will end up at trial.
A No Win No Fee personal injury solicitor will fight your claim for the road traffic accident compensation and try to keep it out of court.
Make a road traffic accident claim today
Make a road traffic accident claim today using our online assessment tool to determine how much you can claim for your injury. The broken pelvis or shattered ribs you suffer in an RTA injury could affect you for life, and you may be able to claim compensation for the damages involved.
The Personal Injury Team FREE online assessment tool will put you in direct touch with one of our team, who will give you a full rundown of what can happen with your Road Traffic Accident injury claim.
Compensation amounts for road traffic accident injury claims vary, and expert advice from one of our team members can help you with an idea of compensation for your uninsured driver accident injury.
Only by contacting one of our team will you get a road traffic accident claim involving an uninsured driver up and running today. We know how to work with the MIB and how to get you the compensation you deserve.
Contact your Personal Injury Team today for immediate and expert Road Traffic Accident claims advice tailored to you.
