It’s a criminal offence to drive a vehicle without insurance, yet people still do it.
If you’ve been involved in an accident with an uninsured driver that wasn't your fault, you may still be entitled to compensation through an uninsured driver claim. Watermans experienced solicitors are here to simplify the process for uninsured driver claims and get you maximum compensation.
“I’d like to thank Jonny Richardson in particular. He is very polite and friendly, and explained things in a way that I understood. He made the whole process hassle and stress free for me.”
L Duthie, Personal Injury Claim
If the accident wasn't your fault, you could be entitled to compensation for loss of earnings,
medical costs and any other expenses incurred as a result.
It doesn't matter if you are a driver, a passenger or a pedestrian,
you can still make a claim against an uninsured driver as a result of an accident.
Our team at Watermans have the skills and expertise to guide you through the legal process
of claiming against an uninsured driver.
Everything we do at Watermans is about getting you the resolution you need
and providing straightforward legal advice. It should be that simple.
Uninsured Driver Accidents
Car insurance is a legal requirement put in place to protect road users and it’s a criminal offence to drive without being insured. Sadly, thousands of people continue to go behind the wheel without insurance. If you’ve been involved in an accident with an uninsured driver, you can still claim compensation.
The Motor Insurers’ Bureau (MIB) Uninsured Drivers Agreement provides a route for the injured party in uninsured driver accidents to claim compensation.
The MIB is a non-profit organisation that operates as a safety net for law-abiding motorists who find themselves in collisions with uninsured or untraced drivers. The MIB maintains the motor insurance database, a central record of all insured vehicles in the UK.
When someone is hit by an uninsured driver or involved in an accident with an untraceable vehicle, they can turn to the MIB for help. This organisation steps in to handle claims that would typically be directed at an insurance company in a standard claim scenario.
The MIB ensures that victims don’t suffer financially due to the irresponsible actions of other drivers who fail to maintain proper insurance coverage.
In cases involving untraceable drivers, such as hit-and-run incidents, the MIB also plays a crucial role. They investigate these cases and provide compensation when the other party cannot be identified or located.
Making a Claim
Involvement in any type of road traffic accident can be distressing. However, collisions involving uninsured drivers can make the situation even more stressful for you.
If you’ve been involved in an accident in the last three years with an uninsured driver, you could be entitled to compensation. The process of making an uninsured driver claim with the MIB includes:
It’s important to note that if the driver who caused the accident refuses to provide insurance information at the scene, it’s imperative that you make a formal complaint to the police. You should also consult your own insurance policy and notify your insurance provider of the accident if you are required to do so. You must provide as much information as possible regarding the driver and the vehicle concerned.
At Watermans, we can help you throughout the process of creating and submitting a compensation claim to the MIB. We understand that it might seem a daunting task, but our uninsured driver claims solicitors are here to take care of all the legal stuff so that you can concentrate on recovering from your accident.
How Much Compensation?
The amount of compensation you’ll be able to claim for as a victim of an uninsured driver accident can vary considerably. If you were in your vehicle at the time of the accident, your injuries may be minor. If you were a pedestrian, it is likely that your injuries will be more serious.
Either way, the collision is likely to have caused you significant pain, discomfort and inconvenience, and you have a right to be compensated for:
In claims against uninsured drivers, the Motor Insurers’ Bureau (MIB) steps in to pay compensation when the other driver is uninsured. These MIB claims ensure that victims of uninsured driving incidents can still receive uninsured driver compensation and necessary medical support.
Where injuries are more significant, the compensation can be a lot higher because of the impact the injuries will have on your lifestyle, work and even personal relationships. In such cases, the compensation received will support you throughout your recovery and long after your claim to make sure you receive the appropriate treatment, support and rehabilitation.
Why Watermans?
Watermans makes legal services look and feel easy so people can move forward in life.
Watermans is your modern personal injury law firm in Scotland. Our expert team of uninsured driver solicitors is committed to making the claims process straightforward for our clients following an accident.
We take the hassle from you and fight each case to secure the maximum level of compensation. We also provide access to a range of additional services, such as physiotherapy and psychological treatment, to ensure you recover from your injuries as soon as possible and get your life back on track.
Our expertise in personal injury covers a wide range of areas including,
4 Fatal and serious injury claims
We represent thousands of clients throughout Scotland each year, securing millions of pounds in compensation for our clients. We work on a no-win, no-fee basis, which means that if your uninsured driver injury claim is unsuccessful, you won’t end up out of pocket.
Contact us to get started.
Generally, you have three years from the date of the accident to make a claim against uninsured drivers through the MIB. However, it’s best to start the process as soon as possible to ensure all evidence is fresh and readily available.
Making a claim through the MIB for an accident caused by an untraced driver or uninsured driver may affect your no-claims bonus. However, it’s always best to check with your insurance provider about their specific policies regarding MIB claims.
Yes, the MIB can cover property damage as well as personal injury in claims against uninsured drivers. This can include damage to your vehicle and other personal property affected by the accident.
Driving without insurance on a public road is illegal and can result in severe penalties, including an unlimited fine, penalty points on your licence, and potential disqualification from driving. It’s always crucial to have at least the minimum required insurance.
Fully comprehensive car insurance offers the highest level of cover, protecting you, your vehicle, and other people’s property. Unlike third-party insurance, comprehensive cover protects your own vehicle in accidents, regardless of fault, and often includes additional benefits.
While an MIB claim shouldn’t directly impact your car insurance quotes, the accident itself may be taken into account by insurers when calculating your premiums. It’s always best to shop around for quotes to ensure you’re getting the best deal.
Don’t let uninsured driver claims overwhelm you.
Contact Watermans today for some free initial advice and take the first step towards your rightful compensation.
The figures quoted are a rough guide to show you the amount you could receive as compensation for your injury. Our solicitors will advise you in more detail about your specific claim.
Your claim could be worth...
Claim Worth
The figures quoted are a rough guide to show you the amount you could receive as compensation for your injury. Our solicitors will advise you in more detail about your specific claim.
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Everything we do at Watermans is about getting you the resolution you need and making that process straightforward. Start the process by sending us your details below or calling us on 0131 555 7055
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“I enjoy the challenge of putting my clients back in a position they would have been in, had they not been unfortunate to suffer an accident through no fault of their own.”
John Dillon, Head of Dispute Resolution
