Uninsured Driver Compensation

Uninsured drivers account for approximately 1 million of the 33 million drivers in the UK, according to the Motor Insurer’s Bureau. This is not only illegal but also irresponsible.

Fortunately, people who are injured in accidents involving uninsured drivers can usually still claim compensation to cover the costs associated with their injury. This applies even if you are a passenger in the uninsured driver’s vehicle.

Why is driving while uninsured illegal?

Vehicle insurance is mandatory by law so that the costs incurred by innocent parties when a driver injures them or damages their property while they are driving is paid out by an insurance company.

Road Traffic Accidents can cause serious harm and significant expenses for injured parties. This law acknowledges that it is unlikely that any individual driver will be able to cover these costs themselves. It therefore requires that all drivers pay around £30 per year as part of their premiums to cover the compensation for uninsured drivers.

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Who should I try to claim compensation from?

Even if the driver was uninsured, there may be insurance in place to cover the costs associated with an injury.

A claim may be raised against include the owner of the car (if they are a different person to the driver), who is insured for their own use of the car. The law requires that their insurance covers a third party claim on behalf of the driver. You will therefore not need to approach the Motor Insurer’s Bureau, but rather claim compensation from their insurance company.

If you are unsure, a solicitor can help you navigate this process.

 

How We Can Help You Claim ?

Our team of expert personal injury solicitors can help you start your claim today.

The compensation claim

There can be significant costs incurred by Road Traffic Accidents, including:

  • Lost wages
  • Pain and suffering
  • Transport costs like taxis, if the injured party is unable to drive or use public transport until their recover
  • Long-term loss of mobility, requiring the use of mobility aids, home renovations or rehabilitation, for more serious injuries
  • Private or specialist medical care

Accidents involving uninsured drivers can be particularly tricky to navigate, due to the difficulty in pinpointing who to claim compensation from. Therefore, it is advisable to seek legal advice to maximise the likelihood of success in your compensation claim, as well as the sum you receive.

Scot Accident Claims can support you in your claim and assist you in seeking the highest compensation for your injuries. A solicitor will be able to advise you on the likelihood of your claim being successful, as well as the amount you can expect to receive.

Medical Advice

You should seek medical advice from your GP if you suspect you have whiplash, from a Road Traffic Accident or any other cause (any shock or sudden movement of your head or neck can cause this injury).

Whiplash will normally heal on its own. There is no need for a collar or brace. The treatment is actually keeping your head mobile. You can also use mild painkillers to alleviate the pain, as well as stretching or exercises, as advised by a doctor.

Testimonials

Scot Accident Claims A Strong Record In Achieving Great Settlements For Our Clients. Read Some Of Our Testimonials Below.

Bryan Jones

Glasgow

Very efficient, professional service provided in respect of a personal injury claim. Minimal fuss and clear communication. Highly recommended

Jason Hart

Edinburgh

Was in need of urgent advice and Greg was on hand and offered fantastic advice and recommendations

Ryan Johnston

Edinburgh

The team really tried their best to make sure I got the best settlement possible. Great communication and a very in depth knowledge of road traffic claims.