Uninsured Driver Claims
Make an Uninsured Driver Claim
Being involved in a road traffic accident is a traumatic experience, especially if you are injured. Where the other party is not insured makes the situation worse. It is still possible to seek damages for your injuries. Our specialist lawyers will explain how the scheme works and act in your behalf.
“They punch well above their weight. The quality of service they provide equals that of any of the larger top-name firms in this area.”
“Fielding a first class, very well resourced team of litigators, the personal injury department at Osbornes is rated for its diverse workload of complex, high-value injury claims.”
Can you claim against an uninsured driver?
Victims of car accidents where the driver is not insured still have a remedy to seek damages for injuries they have suffered. They can do this through the Motor Insurers’ Bureau (MIB), an independent body created by statute and funded by all the major motor insurers. The MIB’s job is to step into the shoes of the insurer, to satisfy all genuine claims made against a negligent – but uninsured – driver.
There are however some strict procedural rules that need to be followed in MIB Uninsured Driver cases:
- The accident must have been reported to the police (assuming details were not exchanged).
- The MIB must be notified if court proceedings are started, and copied in on all developments.
- Judgment has to be obtained against the uninsured driver if the MIB are to be compelled to meet the claim.
The Uninsured Driver Scheme is better for the accident victim than the Untraced Driver Scheme (which deals only with Hit and Run cases). Hit and Run claims are dealt with under a separate self-contained scheme with its own rules, whereas uninsured driver cases follow the usual civil rules and protocols so that if a settlement cannot be agreed upon with the MIB then civil court proceedings can be issued and the matter put before a court. And compensation is calculated in the same way as a normal personal injury claim.
The usual costs rules also apply to an uninsured driver case, so that if the case is successful the MIB can be expected to meet the accident victim’s legal costs. There are also some special rules and exclusions for MIB Uninsured Driver claim that can be complex and it is important to obtain specialist legal advice.
Steps you should take in the event of an accident
- It may not be apparent that the other driver is uninsured. You should exchange details (name, address, telephone number and insurance provider) in every case, even if you do not think at first there was a significant injury.
- Take photographs if possible showing the vehicle damage, the other vehicle’s registration number and the other driver
- Report the accident to the police immediately by phone and wait for the police to attend the scene. If this is not possible then report in person to your local police station as soon as you can and get a crime reference number.
- Write down a description of the offending vehicle and any detail at all of the driver as well as the accident circumstances
- Speak to any eyewitnesses and make a note of their name and address
Starting your Uninsured Driver Claim
We will then be able to advise you on whether or not you can make a compensation claim. On contacting us you will speak in confidence to a member of our personal injury team who will ask you specific details about your injury including where and when it took place. It is helpful to the claims process if you can provide us with as much information as possible, including any relevant pictures of the injury, pictures of where the injury took place, details of any witnesses and reports of any medical treatment you had as a result of the injury.
Good family team with some excellent individuals.
"I am proud to be a private client of Osbornes Solicitors LLP, a client of many years. I appreciate the swift and efficient work of the Private Client Department Team."
"Much appreciation for the excellent service from Rachael Bewick at Osbornes Law. Rachael guided me professionally and promptly in my transaction. The process went smooth with her help. Highly recommended."
"Katie de Swarte is extremely client focused and caring and supportive to her clients."
"Alex is a brilliant lawyer who provides a fantastic service to all his clients."
Client StoriesVIEW ALL
- 6.2.2025
Bus Injury Compensation: £7,800 Awarded
Osbornes secures a compensation for a client injured after being victim of a bus driver`s negligence Compensation was recently...
Read more - 31.1.2025
Six-figure settlement for mum knocked over by a...
Six-figure settlement for young mum on school run knocked over by a motorcyclist Siobhan McIvor, Partner in the Personal Injury...
Read more - 17.1.2025
Electrocuted Student Makes Personal Injury Claim
Student’s heart stopped after electrocution in London’s St James’ Park A university student had a heart attack and...
Read more - 19.12.2024
Seven-figure Settlement for Car Accident in Spain
Background to the Accident Isidoro Bonilla recently represent his client who sustained serious injuries following a car crash in Spain....
Read more - 19.12.2024
Claim for Car Accident in Croatia
Background to the accident Isidoro Bonilla recently advised his client who sustained serious injuries in a car accident. His client,...
Read more - 26.11.2024
Cyclist Hit by Van Driver Claims Compensation
Cyclist Injured in Van Collision Receives Settlement Phoebe Walliss, a solicitor at Osbornes Law, recently secured a settlement for a...
Read more - 22.10.2024
£75,000 Settlement for Head Injury at College
Accident During a College Class Eloise Mears, Solicitor at Osbornes Law, represented a student who sustained a head injury while...
Read more - 22.10.2024
£150k for Pedestrian Knocked Over By Learner Driver
Accident Involving a Learner Driver Eloise Mears, Solicitor at Osbornes Law, acted for a successful young professional who was severely...
Read more - 22.10.2024
Slip & fall in church
Accident and Injuries Eloise Mears, Solicitor at Osbornes Law, represented a 68-year-old man who suffered a fall while visiting a...
Read more - 22.10.2024
Cyclist Injury Claim Successfully Settled for £75,000
Cyclist hit by van driver Eloise Mears, a solicitor at Osbornes Law, recently secured a £75,000 settlement for a cyclist who...
Read more - 23.9.2024
High Court Ruling: English Law in Multi-Vehicle Collision
High Court victory Siobhan McIvor, Partner in the Personal Injury Department, has succeeded in obtaining judgment for her seriously injured...
Read more - 6.8.2024
Pedestrian Claims £25,0000 for E-Scooter Collision
Pedestrian hit by an e-scooter rider claims £25,000 Andrew Middlehurst, a lawyer specialising in e-scooter claims at Osbornes Law, recently settled...
Read more - 25.7.2024
Cycling Accident Claims: Client Stories
Below are details of various cases handled by Osbornes specialist cycle accident claims team including the payouts clients have received...
Read more - 25.7.2024
Claim By Cyclist Hit By Car at Junction
Payout for Cyclist Who Was Knocked Off Her Bicycle Cycling accident lawyer, Phoebe Walliss recently settled a claim for a...
Read more - 29.4.2024
£75k Payout For a Cyclist Knocked Over By...
Claim settled for a cyclist who was struck by a car Laura Swaine recently settled a claim for a cyclist...
Read more - 29.4.2024
230k Payout For London Cyclist Struck By a...
Six figured settlement for a cyclist knocked over by a car Laura Swaine recently settled a claim for a cyclist...
Read more - 29.4.2024
Cyclist Struck By a Car From Behind
Cyclist struck by a car obtains a £40k payout Laura Swaine recently settled a claim for a cyclist who was...
Read more - 29.4.2024
Settlement After Fatal Accident At a Roundabout
Fatal claim settled for a cyclist struck by a truck Laura Swaine recently settled a fatal accident claim for a...
Read more - 29.4.2024
Claim Settled For a Cyclist Struck By a...
Cyclist obtains a settlement after being struck by a car Laura Swaine recently settled a claim for a cyclist who...
Read more - 29.4.2024
5 Figure Settlement For a Cyclist Struck By a...
Settlement for a cyclist hit by a car while crossing junction Laura Swaine recently settled a claim for a cyclist...
Read more - 29.4.2024
£60k Payout For a Cyclist Struck By a...
Claim settled for a cyclist hit by a bus at a junction Laura Swaine recently settled a claim for a...
Read more - 26.4.2024
Psychological Injury Case Settled
Settlement for secondary psychological injury Laura Swaine recently settled a claim for a client who witnessed a horrific accident his...
Read more - 26.4.2024
Head Injury Following Slip at Work
Client who slipped at work obtains a good settlement Laura Swaine recently settled a work accident claim for a client...
Read more - 26.4.2024
Six-Figure Settlement for Head Injury at Work
Settlement for a client injured at work Laura Swaine recently settled a claim for a client who was injured while...
Read more
Insights From our Personal Injury Lawyers VIEW ALL
- 8.10.2020
Pedestrian hit by car on zebra crossing settles...
Blanca Diego, Solicitor in the Osbornes Personal Injury Department, recently settled a claim for a Spanish client who sustained injuries...
Read more - 21.9.2020
Motorcyclists – Could your actions be invalidating your insurance?
Insurance cover for you and your bike is vital in the event of an accident or theft but beware – insurance...
Read more - 20.6.2019
Brachial Plexus Injury
In my career I have worked for the two biggest motorcycle insurance brokers in the UK and assisted their policyholders...
Read more - 25.3.2019
RTA Claims Process
RTA claims process reforms Where are we, exactly, with fixed fees now that the Road Traffic Accident (RTA) claims process...
Read more - 19.6.2018
Pedestrian receives £535,000 compensation
Polish graduate knocked down at pedestrian crossing Osbornes acted in a pedestrian accident claim for Mr M, a Polish graduate...
Read more
The Personal Injury Solicitors Team View the whole team
Rob Aylott
Partner
Personal Injury SolicitorsSam Collard
Partner
Personal Injury SolicitorsSophie Davies
Partner
Personal Injury SolicitorsStuart Kightley
Partner
Personal Injury SolicitorsSiobhan McIvor
Partner
Personal Injury SolicitorsBen Posford
Partner
Personal Injury SolicitorsLaura Swaine
Partner
Personal Injury SolicitorsMaisie Barrell-Wing
Paralegal
Personal Injury SolicitorsJaro Bernat
Associate Solicitor
Personal Injury SolicitorsRiya Bhattacharya
Paralegal
Personal Injury SolicitorsAdina Ciciovan
Paralegal
Personal Injury SolicitorsIsobel Curtoys
Paralegal
Personal Injury SolicitorsBlanca Diego Casas
Associate
Personal Injury SolicitorsElida Dimitrova
Paralegal
BulgarianSara Espeja Peralta
Paralegal
SpanishSinead Finneran
Paralegal
Personal Injury SolicitorsAlicja Glabicka
Paralegal
Family LawNicola Hall
Associate Solicitor
Personal Injury SolicitorsMagdalena Knez
Senior Associate
Personal Injury SolicitorsBalint Lakatos
Paralegal
HungarianMegan Lambert
Litigation Executive
Personal Injury SolicitorsDiana Magyar
Paralegal
HungarianAndreea Martin
Paralegal
Medical NegligencePatricia McCaffrey
Senior Associate
Personal Injury SolicitorsView the
whole team