Uninsured Driver Claims

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Uninsured driver claims

If you have been unfortunate enough to be involved in an accident with an uninsured driver, you can claim compensation.

What is an uninsured driver?

Each year there are thousands of people killed or injured by uninsured drivers, and according to statistics there are still around a million uninsured drivers on roads in the United Kingdom. [Ref: Motor Insurers’ Bureau]

Being involved in an accident is a very stressful experience and becomes even more so when you find out that the other driver does not have insurance. Thankfully there is an organisation which can step in to compensate victims of uninsured drivers.

The Motor Insurers’ Bureau (MIB)

Founded in 1946 the Motor Insurers’ Bureau (MIB) was set up to provide compensation to victims of uninsured or untraced drivers. Around £30 of year from every insured driver’s premium goes towards the MIB.

It is a legal requirement for motorists to have insurance for their vehicle when driving on a public road, although there is no obligation for a person to be insured for vehicles on private roads such as land or construction sites.

How Oliver & Co can help

If you are a passenger or a driver in another vehicle, you can usually make a claim via the MIB. Our job is to help you through this process and submit a claim on your behalf, and take the stress out of the situation as far as possible.

As the MIB act a bit like an insurance company, the process of pursuing a claim against an uninsured driver is usually very similar to making a claim against an insured driver.

We work on a ‘no win, no fee’ basis and initially take details of your claim. The claim is then submitted to the MIB and if they confirm that they are prepared to deal with the matter, we will obtain medical evidence and collate your losses, with a view to making an offer to the MIB to settle the claim wherever possible.

What compensation can I claim?

You can claim for the pain, suffering and loss of amenity caused by the accident and your reasonable financial losses incurred, or that may be incurred in the future.

Compensation for pain and suffering and loss of amenity (‘general damages’)

We value compensation based upon independent medical expert reports, often from experts in several different disciplines. We use the up-to-date version of the Judicial College Guidelines and case law to value your injury.

Compensation for out-of-pocket expenses (‘special damages’)
  • Damaged clothing
  • Private rehabilitation, arranged by you or us
  • Loss of earnings, past or future
  • Care and assistance, past or future
  • Modifications, equipment, or relocation costs
  • Additional commuting costs
  • Cost of travel to medical appointments
  • Any other additional financial losses that you may have occurred as a result of your accident

How much could my injury be worth?

Find out instantly what your injury compensation may be worth by using our Claim Calculator. The valuation does not include your out-of-pocket expenses which will be in addition.

Try our claim calculator

How much is your claim worth?

Call and speak to a member of our team on 01244 312306


Click on an image to read about our Specialists and see how they may help you.

Allison Pepper

Associate Director & Road Traffic Accident Solicitor

Maria Pilkington

Director & Personal Injury Solicitor

Kathryn Bull

Personal Injury Senior Litigator

Angela Cross

Personal Injury Solicitor Advocate