Uninsured Driver Claims
Leading Road Traffic Accident Solicitors London
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.”
“A niche firm that punches well above its weight in the catastrophic injury sector, borne out by the quality of work they obtain.”
Victims of road traffic 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.
There are also some special rules and exclusions for MIB Uninsured Driver claims that can be complex and it is important to obtain specialist legal advice.
Starting your claim
We will then be able to advise you on whether or not you can make a claim for compensation.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.
"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"
The group is noted for its expertise in matters relating to cycling injuries, and is the official legal partner of the London Cycling Campaign charity.
"A small but high-powered team, dealing with cases of significant value and complexity."
"An excellent firm which achieves fantastic outcomes for clients."
"Osbornes Law have captured the magic of keeping the customer service levels of a smaller firm whilst having all the expertise and power of the biggest firms."
"A superb boutique catastrophic injury firm."
"Really good at dealing with people who have suffered a serious injury."
"Affable and charming with very good client-handling skills."
"superb firm with consummate professionals and a human touch."
Osbornes now has a team of highly experienced personal injury lawyers; particularly strong on high-value quantum cases, workplace accidents and claims involving foreign workers injured in the UK.
The team provides fantastic strength-in-depth for personal injury claims. It is also particularly well placed to service clients from Eastern Europe with specialist native language speakers. From the smallest case to a multimillion-pound spinal injury case, Osbornes has the right staff to manage every claim.
Ben Posford remains pre-eminent in his field with expert understanding of litigating cases of the upmost severity. His experience builds on Stuart Kightley’s running of the firm with recent partner additions of Rob Aylott making a fantastic addition.
A firm going from strength-to strength-which retains its client care whilst being able to offer a full personal injury service.
Beneath Ben Posford’s calm and reassuring presence, which clients love, lies a formidable tactical and legal brain. His experience tells and he gets it right at every stage of the process from arranging the best possible rehabilitation, to ensuring, so far as possible, a polite relationship with those acting for the defendant in order to ensure best and early resolution of the claim.
"Clients say he is very impressive, in terms of both his experience and his management of the personal injury team."
"They have an expanding profile in personal injury and clinical negligence and offer a superb, broad service in accidents abroad, enabled by their recruitment of bilingual legal executives who can guide non-English speakers through complex litigation."
"Solid personal injury practice well equipped to advise on high-value and high-profile claims arising from fatalities and severe head and spinal injuries."
"Offers specialist expertise in cycling-related injury claims."
"Offers specialist expertise in cauda equina syndrome cases."
"An exceptional outfit. They take on difficult cases, fight hard and win."
"Stuart Kightley is an incredibly empathetic solicitor who is very knowledgeable about traumatic brain injury."
"They are an outstanding firm to work with. They are consistently impressive in their work."
"Osbornes has a growing influence and impressive work load and is gaining a reputation for handling complex catastrophic work."
"Osbornes often handles claims valued at over £1m, particularly relating to severe brain and spinal cord injuries and niche areas such as cauda equina syndrome and cycling accidents."
"The hard-working, thorough and committed Robert Aylott, who brings significant heavyweight personal injury experience."
"Key team members include the energetic and personable Stuart Kightley who is head of the personal injury department."
"Catastrophic injury cases head Ben Posford is an excellent practical litigator who offers exceptional service."
Thank you for the hard work and patience and for being so patient with my constant questions.
"I have found Osbornes to be thorough, clear and understanding from the initial call. They do exactly what they say they will and with passion! I would recommend them to anyone".
Very good efficient service. Would not hesitate to use again.
I will use Osbornes for any future needs.
I don't think I could have asked for anything more. One of the best dealings I've had with the legal profession.
Sam was excellent and very professional in dealing with our claim.
Head of the personal injury department, Stuart Kightley is a first-rate practitioner, wholly focused on getting his client the best outcome in a pragmatic, sensible and consensual manner.
As a real specialist in spinal cord injuries, Ben Posford is always looking at new angles on how to maximise his cases.
Ben Posford is one of the best catastrophic injury lawyers around.
They provide exceptional service, great knowledge and understanding of the law, excellent client care and tactical nous
Stuart Kightley is praised for his expertise in catastrophic and fatal claims. Clients say he is very impressive, in terms of both his experience and his management of the personal injury team.
My claim was dealt with efficiently and professionally. Communication was excellent, and timely. Shrewd and sound advice was provided at every stage of the claim from beginning through to completion. On the basis of my personal experience I would strongly recommend Osbornes.
I just wish to thank you for your hard work and successful outcome. I am pleased with the result and would recommend you and your firm to anyone in the future.
Ben Posford … is ‘tactically astute’ and ‘one of the best personal injury solicitors around’.
Ben Posford ‘knows how to maximise the value of the claim for his clients’.
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 eye witnesses and make a note of their name and address
Client StoriesVIEW ALL
30.5.2022Injured London cyclist receives settlement and medical treatment
Cycling accident lawyer, Laura Swaine, recently settled a claim for an injured cyclist who sustained serious injuries to her wrist...
Read more
4.5.2022Settlement reached for cyclist client after insurers deny...
Personal Injury specialist, Laura Swaine, recently settled a cycling injury claim following the driver fleeing the accident site and refusing...
Read more
28.2.2022Client left with brain injuries after car accident...
Our Spanish client was the front seat passenger in a car driven by her husband which was involved in a...
Read more- 25.1.2022
Successfully settled claim for cyclist struck by London...
Andrew Middlehurst, a specialist cycling injury lawyer, has settled a claim for a cyclist who was struck by a black...
Read more 
9.1.2022Settlement secured for head injury caused by hammer...
Osbornes Law has secured a £100,000 settlement for her client who suffered serious head injuries after being attacked in prison by...
Read more- 17.11.2021
£270,000 settlement for school accident
Osbornes Law secures a £270,000 settlement for a Polish woman who slipped as a schoolgirl on a wet floor at school....
Read more 
17.11.2021£100,000 settlement for tripping at work
Osbornes Law secures £100,000 settlement for Hungarian woman who tripped over a shopping bag at work Siobhan McIvor, a Partner in...
Read more- 17.11.2021
£165,000 settlement for factory accident
Siobhan McIvor, a Partner in the Personal Injury Department of Osbornes Law, has secured a £165,000 settlement, with the help of...
Read more - 16.11.2021
Significant lump sum for below the knee amputation
Mr N, a Romanian man in his 30s, came to the UK to work with his father-in-law in early 2018. He...
Read more 
5.11.2021Seven figure leg amputation settlement
Mr S was walking across the yard at work when he was run over by a forklift truck from behind....
Read more- 26.10.2021
Examples of Serious Head & Brain Injury Settlements
C–v-N Child pedestrian crossing road knocked over by car when running into road sustaining a traumatic brain injury and...
Read more - 6.10.2021
Multi-Million Settlement After Motorbike Accident
Our lawyers achieved a £5m settlement for a 54-year-old man following a motorbike accident. As a result of the accident,...
Read more - 14.9.2021
Claim Settled for £70,000
Andrew Middlehurst, specialist bicycle accident lawyer at Osbornes Law, has settled a claim for an injured cyclist in the region...
Read more 
31.8.2021Client pursuing head injury claim after life changing...
A young woman has told of the moment her head was completely scalped and lost her ear when her hair...
Read more
9.8.2021Motorcycle Accident Case Settles for £400,000
Mr C, an Italian man working in a 5 star London hotel was riding a moped home from work at night...
Read more- 9.8.2021
Motorcycle accident case settles for £90,000
Mr H was a hard-working security operative. He and his wife both worked full time and they were planning to...
Read more - 1.7.2021
Limb amputation to pedestrian awarded £1.8million
Our client suffered life-changing injuries as she was walking home from work. A speeding driver lost control of his vehicle...
Read more - 23.6.2021
Osbornes Helps Client Following Amputation at Work
Mr C a young Romanian national, came to this country for work in 2015. He soon found work as a cleaner...
Read more 
17.6.2021Life changing injuries following motorbike accident
Our client, who is from Hungary was riding his motorbike in London when a lorry turned across a junction and...
Read moreSerious Orthopaedic Injury Settlement for £1million
Our client was a 25-year-old Spanish resident who was travelling in his works’ van when the van was hit by...
Read more- 18.5.2021
Construction Site Accident at Work
Our client suffered numerous fractures to their left leg requiring surgery following a work accident on a construction site. He...
Read more - 18.5.2021
Compensation Awarded Following Amputation Accident on Construction Site
Our client worked as a carpenter/bricklayer on a building site at a residential property in North London. He was...
Read more - 18.5.2021
Severe Brain Injury Caused By Cycling Accident
Our client was a successful businessman when he was knocked to the ground. He suffered various fractures and internal injuries....
Read more 
18.5.2021Cyclist Receives £6,000 For Neck And Back Injuries
Our client hit his bicycle brakes as he approached queuing traffic. As he was doing this he was passing a...
Read more
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 cases 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 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 with an uninsured driver case, so that if the case is successful the MIB can be expected to meet the accident victim’s legal costs.
Essential reading
Personal Injury Accreditations
Insights From our Personal Injury Lawyers VIEW ALL
- 5.5.2022
Top 10 Major Highway Code Changes for Cyclists
New Highway Code rules for cyclists At the end of January 2022, the Highway Code was updated to make British roads...
Read more - 20.1.2022
What to do immediately after a cycling accident?
If you have been involved in a cycling accident, you may experience shock and disorientation at the scene. Depending on...
Read more 
16.9.2021The law around E-bikes and E-scooters explained
Why are electric bikes legal but not scooters? E-bikes and e-scooters are the new rides on the block. To many,...
Read more- 2.8.2021
London Tube Sign Causes Head Injury
Serious brain injury claim after falling London tube sign knocks pedestrian unconscious. An airline pilot ‘miraculously’ survived after a 20kg...
Read more - 22.7.2021
Croydon Tram Crash Inquest Concludes
Families of Croydon tram crash victims disappointed by Inquest conclusion The families of victims killed in the Croydon tram crash...
Read more - 2.2.2021
Compensation Tables for Personal Injury
What are the Ogden Tables? If you have been injured in an accident that was not your fault, you may...
Read more - 5.1.2021
Farming accidents high risk for self-employed
Agriculture represents a dangerous industry in the UK, and according to the Health and Safety Executive’s report 2020/2021, farm deaths...
Read more 
31.12.2020Bike Boxes – what are the rules?
Cycle boxes at traffic lights I read a post recently on a London cycling forum in relation to some confusion...
Read more- 2.11.2020
Highway Code changes just the start in protecting...
The 2020 changes to the Highway Code do not go far enough to change driver behaviour and protect cyclists and pedestrians,...
Read more - 15.10.2020
Fatal Accidents In The Workplace
A new article from the BBC takes a looked at fatal accidents at work. The report states that since 1981, there...
Read more - 13.10.2020
When To Seek Advice Following An Accident At...
Autumn is upon us and it’s the start of another academic year. With a 7 year old boy recently being...
Read more - 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 
17.9.2020Osbornes partners with leading Brain Injury Charity
Lights, Camera, Legal Advice! This week marks the launch of a new series of 16 legal advice videos with brain injury...
Read more- 30.7.2020
Self-Employed Injury At Work
Dealing with a personal injury claim as a self-employed worker Being self-employed has its advantages, including independence, creative freedom, job...
Read more 
15.7.2020Osbornes Law joins legal panel of national road...
Osbornes are delighted to announce that the firm has joined the legal panel of the national charity for road crash...
Read more
29.6.2020The Dangers of Working on Farms
According to the Health and Safety Executive, over the last 10 years, almost one person a week has been killed as...
Read more- 19.6.2020
Changes to employer’s liability for work accidents
As it now stands employers are automatically liable for some workplace injuries, (without the Claimant having to prove “fault”) is...
Read more - 19.6.2020
What happens if a solicitor goes bust?
What happens if my solicitor has ceased trading? Like many business, some solicitors’ practices are struggling at the moment financially...
Read more 
9.6.2020The importance of parks for cycling
I ventured outside the comfort of my home this past weekend for the first time in 11 weeks. As I walked...
Read more
4.6.2020Compensation for Accidents at Home
Accident at home claim Accidents are a leading cause of death, injury, and disability and according to the Royal Society...
Read more- 1.6.2020
Road Traffic Accidents: Steps to Take if You...
Road casualty statistics are published twice a year by the UK government. The latest figures published at the end of 2019...
Read more 
29.5.2020Bringing a Personal Injury Claim – What is ‘No...
In the case of personal injury, we commonly hear important terms such as; ‘accident’, ‘negligence’ and ‘no win no fee’....
Read more
22.5.2020Choosing a solicitor for someone who has suffered...
According to the organisation Headway, more than 1 million people attend Accident and Emergency Departments with a head injury every year...
Read more
The Personal Injury Team View the whole team
Rob Aylott
Partner
Personal InjurySam Collard
Partner
Personal InjurySophie Davies
Partner
Personal InjuryStuart Kightley
Partner
Personal InjurySiobhan McIvor
Partner
Personal InjuryBen Posford
Partner
Personal InjuryJaro Bernat
Solicitor
SlovakianBethany Crawford
Paralegal
Personal InjuryAlexandra Culic
Paralegal
RomanianBlanca Diego Casas
Solicitor
SpanishElida Dimitrova
Paralegal
BulgarianSara Espeja Peralta
Paralegal
SpanishNicola Hall
Associate Solicitor
Personal InjuryMagdalena Knez
Associate Solicitor
Personal InjuryMegan Lambert
Paralegal
Personal InjuryEmma Lees
Paralegal
Personal InjuryDiana Magyar
Paralegal
HungarianPatricia McCaffrey
Associate Solicitor
Personal InjuryEloise Mears
Trainee Solicitor
Personal InjuryAndrew Middlehurst
Associate Solicitor
Personal InjuryKate Milton
Senior Associate
Personal InjuryCamelia Ochiana-El-Emam
Paralegal
RomanianZuzanna Piotrowicz
Paralegal
PolishAndra Popoiag
Paralegal
RomanianView the
whole team
