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.

Uninsured Driver Accident Claim

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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.

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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:

personal injury claims involving an Uninsured driver

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:

  • Broken legs and arms
  • Eye and facial injury
  • Damage to internal organs
  • Soft tissue injury
  • Cracked vertebrae

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:

  • Shattered pelvis
  • Head and neck injuries
  • Broken spine
  • Multiple leg breaks
  • Massive internal bleeding

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:

  • Broken limbs
  • Facial lacerations
  • Damage to internal organs
  • Head and neck injuries
  • Cracked skull

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:

  • Spinal damage
  • Post Traumatic Stress Disorder, PTSD
  • Eye and nose damage
  • Head injury
  • Internal organ damage
  • Broken bones

A parent or guardian can make a claim for compensation when a child is injured in a road traffic accident.

Are you eligible for compensation?

If you want to pursue damages for the accident you have suffered, we have a simple 3 step process to make sure you get the compensation you deserve.

  • Take our online assessment & speak with our team
  • Our team of claim specialists will undertake a full case review
  • We will send a legal letter and our solicitors will pursue your compensation on your behalf

All case reviews are 100% cost and commitment free.

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:

  • Soft tissue neck injury from £4,350 to £7,890
  • Shoulder injury including a dislocated shoulder, from £12,770 to £19,200
  • Vertebrae injury with chronic pain from £38,780 to £69,730
  • Severe injury to the pelvis and hips from £61,910 to £78,400
  • Back injury with nerve root damage from £74,160 to £88,430
  • Neck injury with little or no movement, in the region of £148,330
  • Injuries resulting in paraplegia from £219,070 to £284,260
  • Tetraplegia from a road traffic accident from £324,600 to £403,990

(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.)

Personal injury claim calculator

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.

What are you being compensated for in an uninsured driver accident claim?

In an uninsured driver accident claim, just like any personal injury claim, you are being compensated for two types of damages.

The amount of compensation awarded for your uninsured driver road accident claim is the total of these two types of damages.

If you suffer a road traffic accident injury, you claim General Damages for PSLA, the Pain, Suffering and Loss of Amenity you experience directly from the personal injury suffered in the accident.

You may suffer Pain as a direct result of an accident when hit by an uninsured driver. You claim for the pain from the shattered hips, facial lacerations, and internal organ damage you experienced after the road traffic accident.

You will experience Suffering while you recover from the injury to the kidneys or bruised ribs today and in the years to come after the uninsured driver road traffic accident.

You can also claim for the Loss of Amenity in your daily life, such as difficulty or restriction in walking, sitting, playing sports, and sleeping from the injury suffered in a road traffic accident that was not your fault.

You seek compensation for Special Damages in a road traffic injury claim to cover your costs today and any future financial losses. 

These could include loss of earnings, care costs, medical treatment while recovering after an accident involving an uninsured driver and any other long-term treatment costs. You can also claim for specialist rehabilitation, aids, adaptations, and any other out-of-pocket expenses you have or will suffer due to the road traffic accident.

Compensation is awarded to cover all losses, including income, medical expenses, and long-term care needs arising from being hit by an uninsured driver in a road traffic accident.

You will need payslips and all day-to-day receipts, such as accommodation costs, the costs of travel to medical appointments, physical therapy, and all other out-of-pocket expenses incurred after the RTA.

A No Win No Fee solicitor handles your road traffic accident injury claim to get you the compensation you deserve for all the costs and expenses of the injury suffered in a Road Traffic Accident involving an uninsured driver.

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:

  • A spouse or former spouse
  • Someone who lived with the injured party for two years before the accident as a husband, wife, or civil partner.
  • Blood children, adopted children or those who became children through marriage or civil partnership
  • Parents and those acting as parents, such as a guardian or step-parents
  • Grandparents or great-grandparents
  • Brothers, sisters, cousins, and other direct relatives

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.

fatal car accident claim seeks compensation when a family member or loved one dies in a road traffic accident

How to make a claim for road traffic accident injury compensation

To make a claim for road traffic accident injury compensation, there are usually a few standard steps to follow. If you were injured when hit by an uninsured driver, you claim for the RTA and its effects on your life.

We will guide you through the entire process from first contact through to the conclusion of your claim.

Instruct a No Win No Fee personal injury solicitor as soon as possible. A solicitor can look at your case and see the extent of your injuries due to the uninsured driver and how they might form a Road Traffic Accident injury compensation claim.

Only a No Win No Fee personal injury solicitor will have the experience and the team to handle your claim – they will know what your claim may be worth and how to get the best results for you.

You may require medical treatment or investigation if you have suffered a road traffic accident injury. It is vital that the nature and extent of your injuries are contemporaneously recorded in your medical records.

This may be in a consultation with your GP if you have less severe injuries which do not require immediate treatment but do not clear up in a reasonable timeframe. You may need investigations, referral to a specialist, or maybe physiotherapy.

Of course, in a severe or life-threatening Road Traffic Accident injury, you will attend A&E, and the hospital medical records will detail your injuries and treatment.

The solicitor gets all the details and evidence to support your case in the next step of the RTA injury claims process.

Your Personal Injury Team solicitor will speak to you and obtain a detailed description of what happened to cause the road traffic accident, all injuries suffered, and the financial losses you sustained.

An experienced personal injury expert will assess the case.

If they confirm you have a valid Road Traffic Accident compensation claim, they can discuss the next steps in the process with you and answer any of your questions.

The solicitor submits the claim for the road traffic accident injury compensation to the negligent party who may be responsible for your injury. Your solicitor submits the claim by writing to the negligent party to outline your possible claim.

In the case of an uninsured driver, your solicitor may make the claim for personal injury compensation against the MIB fund.

The negligent party has to give a written response to your solicitor’s letter within twelve weeks of receiving it.

Your Personal Injury Team lawyer will advise you of the time limit applying to your case and what to expect during the process.

Getting a response from the negligent party and the MIB informs your personal injury solicitor how the case for uninsured driver Road Traffic Accident compensation is likely to proceed.

The negligent party can either admit liability in the case or state that they intend to defend it.

When the negligent party decides to defend the case, it is known as ‘denying liability’ in legal terms.

If the negligent party admits liability, which often happens, your personal injury solicitor will obtain medical evidence. You may need to have a consultation with a medical expert, which your solicitor will arrange.

Once completed, medical evidence and details of your financial losses will be sent to the negligent party or the MIB.

The negotiation period then starts, often resulting in the settlement of your claim. You would be closely involved in this process and given expert advice throughout – no compensation would be agreed upon without your authority.

In very large claims, you will likely have to see several medical experts over a longer period. When the injuries suffered in the road traffic accident are significant, it can take a long time until the final prognosis is known.

Your solicitor will advise you on the likely timescales and when, tactically, will be the best time to enter settlement discussions with the defendant.

Often, claims for life-changing injury will be negotiated at a “settlement meeting” with the defendants. The two sides may meet, and during the meeting, your case will be outlined, and negotiations will take place.

You would be at this meeting and be closely involved in this process, and no settlement would be agreed upon without your authority.

At this stage, your solicitor, and sometimes a barrister, will handle the meeting and advise you on what is on offer and what level of compensation to accept.

Going to court is the final step in an RTA injury case if the negligent party does not accept responsibility for the negligence or if the negligent party admits liability but refuses to pay you a fair amount in compensation.

Issuing court proceedings is handled by your solicitor.

Although court proceedings are started in some cases, very few road traffic accident injury cases make it to a court case before a judge. The vast majority will settle before having to issue court proceedings, and even where proceedings are issued, few cases end up at a trial.

Your Personal Injury Team solicitor will advise you through the entire process from start to finish.

steps in making a personal injury claim

How Much Is Your Claim Worth?

Take a few minutes to fill in our claim assessment form and find out how much compensation you will be entitled to.

Evidence to support a road traffic accident injury claim

Evidence to support your road traffic accident injury claim should help show that the accident was not wholly your fault and that someone else was at least partially responsible. 

You will need to gather as much evidence as possible to prove your road traffic accident injury claim. The more evidence you have to support an accident involving an uninsured driver, the better it will be for your claim. 

When gathering evidence to support your road traffic injury claim, you should:

  • Take note of where, when and who is involved
  • Use your phone to take photographs of the accident scene
  • Get the details of everyone involved in your accident
  • Call the police
  • Get a copy of the accident report from the police
  • Get details of the uninsured driver
  • Get the details of any witnesses
  • Find CCTV evidence if possible
  • Call for medical help to assess your injuries
  • Take photos of your injuries at the scene

Every piece of evidence may be crucial in your road traffic accident injury claim. You do not know what the negligent party will dispute or claim when the case begins. 

Your No Win No Fee solicitor may use the evidence against the negligent party in any possible Road Traffic Injury claim.

How to prove your claim 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.

 

Schedule A Call

Have you been involved in a personal injury? We specialise in pursuing damages to make sure you get the maximum compensation possible.

It’s free and easy to speak with one of our team of no win no fee claim experts.

A No Win No Fee personal injury solicitor

A No Win No Fee personal injury solicitor will guide you through making the uninsured driver road accident claim.  They will have the experience of Road Traffic Accident injury claims and if you may be able to claim compensation for your injuries.

The No Win No Fee personal injury solicitor fights your case and does not take a fee if you do not win. Before beginning your RTA injury claim, you can agree to all the terms with your solicitor. 

The Motor Insurance Bureau will pay some of the legal fees, and a No Win No Fee personal injury solicitor will agree with you on how much of the shortfall will come from your compensation. It is usually a percentage of up to a maximum of 25%, although the deduction may be nothing in larger cases.

You will need an experienced No Win No Fee solicitor to make your personal injury compensation claim.

No Win No Fee personal injury solicitor

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.

how much can you claim for personal injury