About Road Traffic Accidents involving Uninsured Third Parties

Introduction to claims involving stolen vehicles or uninsured drivers

It can be traumatic enough to be involved in a Road 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 accident compensation claim may be slightly different than normal.  Contact us on 08000 224 224 for more information.

Who will pay my claim if the third party is uninsured?

How claims against uninsured drivers are dealt with

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.  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.  For more information, contact us.

About the Motor Insurers' Bureau (MIB)

Information about the MIB

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.  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.

Things to do after your Road Traffic Accident

Action to take following an accident with an uninsured driver

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 compensation claims involving uninsured drivers.  For more information, contact us.