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How To Claim Against An Uninsured Driver
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After a car crash in London, finding out that the other driver is uninsured can be upsetting, frustrating, and stressful. Therefore, this article explains how to claim against an uninsured driver, what evidence you’ll need, and how our solicitors can help. If you decide to contact our specialists, we’ll review your case for free and make sure that you understand your options.
If your claim is accepted, one of our solicitors will help you pursue a claim against the uninsured driver, and try to ensure you’re not left out of pocket. With experience supporting clients across London, we know how to deal with complex situations and can advise you on the best course of action.
Read on to find out more about your options and how to strengthen your claim. If you’d like tailored advice, you can contact our team online or call 020 7362 2085 for support.
Can You Claim Against An Uninsured Driver?
According to the Motor Insurers’ Bureau (MIB), there are up to a million uninsured vehicles on UK roads across the year. Being uninsured is a crime, meaning any driver could face prosecution by the police if caught. However, that doesn’t help you if you’re involved in a crash with an uninsured vehicle in London. Luckily, you can still make a claim against an uninsured driver through the MIB in certain circumstances.
Road traffic accident claims can be stressful enough because you may have to deal with insurers who doubt your version of events. However, you’ll still have to prove what happened if you’re to be a fair settlement from MIB. Therefore, you might want to take on a specialist solicitor from our team who covers London MIB claims.
If you’ve been involved in an accident with an uninsured driver and would like free expert advice about your options, please don’t hesitate to get in touch today.
Who Are The Motors Insurers Bureau, And What Do They Do?
The Motor Insurers’ Bureau (MIB) operates as a compensatory body, handling claims where you suffer loss or injury from an uninsured or untraced driver. The MIB’s scheme works across England and Wales, covering incidents on routes like the A40, North Circular, and boroughs including Westminster, Croydon, and Camden.
You may contact the MIB if an uninsured driver causes an accident, and you’re seeking compensation for personal injury or property damage. They review evidence such as police incident numbers, medical records, and detailed witness statements. If liability is clear, the MIB’s scheme allows you to claim even if police cannot trace the responsible party. The scheme covers uninsured losses, including medical expenses, lost earnings, and repairs, where standard motor insurance policies don’t apply.
What About Hit-and-Run Drivers?
When you’re dealing with a hit-and-run incident involving an uninsured driver the process can feel even more daunting. You might worry that the absence of the responsible party will prevent you from claiming compensation. However, the Motor Insurers’ Bureau scheme is specifically designed to address these situations and can still offer you a route to recovery.
If you find yourself in this position, act quickly to gather evidence and report the incident to the police. With the right support and careful attention to detail, you can pursue your entitlement and focus on moving forward after the accident. So, why not give us a call today for free legal advice on how to proceed?
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Meet Our Road Traffic Accident Solicitors
Patrick Mallon
Patrick is the head of our personal injury claims department. He has been qualified as a solicitor for over 20 years and strives to get the very best result for his clients.
Emma Pomfret
Emma is a Chartered Legal Executive with over 10 years of experience. She is passionate about helping people claim compensation after suffering harm in car crashes
Do I Need A Solicitor To Claim Against An Uninsured Driver?
You can pursue a claim against an uninsured driver directly through the Motor Insurers’ Bureau (MIB). Many claimants appoint a solicitor for support because the process can require complex and technical evidence. If you work with us, one of our solicitors will review your evidence, present your case to the MIB, and help meet all procedural standards.
For incidents on major roads in London, such as the North Circular, A40, or boroughs like Hackney or Kensington, our solicitors may be able to improve the chances that you’ll receive a fair settlement.
To find out more about how we can help you claim against an uninsured driver, please get in touch today.
Do I Still Need Evidence To Prove My Case?
You always need evidence to support your claim against an uninsured driver, even if you submit your application through the Motor Insurers’ Bureau.
This might include:
Police accident report or reference number
Photographic evidence of the accident scene and vehicle damage
Witness statements and contact details
Medical reports or records relating to any injuries
Evidence of loss of earnings, such as payslips or employer letters
The other driver’s contact information
The more evidence you’re able to supply, the better. However, if you don’t yet have all of the evidence listed here, don’t worry. If your claim is accepted, your solicitor will work hard to collect the information needed to support your case.
Frequently Asked Questions (FAQ)
Below, you can find answers to some frequently asked questions about how we can help you to claim against an uninsured driver:
What should I do immediately after an accident with an uninsured driver?
Report the incident to the police, collect evidence such as witness information and photographs, and seek medical attention if needed. Obtain a police incident number, as this will support your claim with the MIB or your legal representative.
Do I need a solicitor to make a claim against an uninsured driver?
While you can file a claim with the MIB independently, many people find it helpful to appoint a solicitor due to the legal complexity and strict deadlines. A solicitor can ensure your evidence and documents meet all requirements, improving your chance of success.
Will I still get compensation if the uninsured driver cannot be traced?
Yes, you could because the MIB also covers cases involving untraced drivers, provided you report the incident to the police promptly and supply as much supporting evidence as possible. Compensation may be available for injury, property loss, and other uninsured losses.
Can I use my own insurance if hit by an uninsured driver?
If you have fully comprehensive, collision, or uninsured motorist cover, your insurance may pay for repairs and losses. However, making a claim could affect your no-claims bonus, so consult your insurer for advice based on your policy.
How long does the MIB claim process take?
The process length varies depending on the complexity of your case and the evidence provided. Typically, claims can take several months, though using a solicitor can help ensure your claim progresses efficiently.