Claims against uninsured drivers
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Our experts handle everything from start to finish, making the claims process simple, clear and fully guided.
We fight to recover your medical costs, lost earnings, vehicle damage and emotional suffering.
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Compensation After an Accident With an Uninsured Driver
Being hit by an uninsured driver is stressful, unfair, and often expensive. But you are not powerless. If the accident wasn’t your fault, you may still be entitled to compensation, and Claims24Hours can guide you through every step of the process.
Our goal is to help you recover your losses, protect your rights, and secure the financial support you deserve.
Uninsured Drivers in the UK – What You Need to Know
Uninsured driving remains a major issue across the UK. While most drivers share insurance details after a collision, many don’t — leaving innocent road users to deal with the consequences.
Key facts include:
- Thousands of drivers are caught uninsured each month.
- Over 26,000 accidents each year involve uninsured or untraceable drivers.
- These incidents often lead to severe injuries and long-term losses.
- Law-abiding drivers pay higher premiums because of uninsured motorists.
Even though the UK has some of the safest roads in Europe, uninsured driving continues to cause thousands of avoidable accidents and financial burdens.
Can You Claim Compensation If the Other Driver Is Uninsured?
Yes. If you can prove the uninsured driver was at fault, you can still pursue compensation. Whether you were driving, walking, cycling, or riding a motorcycle, you have a legal right to hold the negligent party responsible.
There are two main routes to claim compensation:
1. Claiming Through Your Insurance Provider
If you have fully comprehensive cover, your insurer may allow you to file a claim — even when the other party isn’t insured.
However, many people prefer not to go down this route because:
- Your no-claims bonus may be affected
- Your premium may increase at renewal
- Excess payments may apply
Some insurers offer an Uninsured Driver Promise, which protects your no-claims bonus and removes the need to pay an excess. This feature is not included in every policy, and premiums for these policies are usually higher.
2. Claiming Through the Motor Insurers’ Bureau (MIB)
If you don’t have comprehensive insurance — or you prefer not to involve your insurer — you may still be protected. The Motor Insurers’ Bureau (MIB) compensates victims of uninsured drivers.
Key points:
- MIB claims do not affect your insurance premiums.
- You may need to pay a standard excess (usually £300).
- Claims involving uninsured drivers can take longer than standard claims.
- Not every case qualifies, especially those involving untraced drivers.
A specialist solicitor working with Claims24Hours can help you check your eligibility and gather the evidence required to build a strong case.
Eligibility Requirements for an MIB Claim
To make a successful MIB claim, you must meet strict criteria, including:
- The at-fault driver had no valid insurance on the Motor Insurance Database.
- The accident occurred within the last three years (for personal injury).
- For property or vehicle damage, the time limit is six years.
- The accident was reported to the police within the required timeframe.
- You can demonstrate the other party’s negligence.
- The accident happened in the UK.
Meeting these requirements ensures the MIB can verify your case and process your claim.
How to Prove Your Right to Compensation
To secure compensation, evidence is crucial. A legal specialist at Claims24Hours can help you gather:
- Photographs and videos from the accident scene
- Medical reports describing your injuries
- Witness statements
- Police reports
- CCTV footage, dashcam recordings, or nearby surveillance
- Records of financial losses, repairs, and expenses
The stronger your evidence, the higher your chances of a successful claim.
What If the Driver Fled the Scene? (Hit-and-Run Cases)
Accidents with untraced drivers can still be eligible for compensation under the MIB scheme. To support your claim, try to gather:
- CCTV from nearby streets, shops, or traffic systems
- Dashcam footage
- Photos of the scene and damage
- Statements from witnesses who saw the collision
Even if the driver cannot be identified, you may still have a valid claim.
Can an Uninsured Driver Make a Claim Against You?
Yes — if you were responsible for the accident, the uninsured driver can still pursue compensation for their injuries. Driving without insurance is illegal, but it does not remove their right to claim damages.
Your insurance company would handle the case on your behalf.
How Much Compensation Can You Claim?
Compensation depends on several factors, such as:
- The severity of your injuries
- Long-term medical needs
- Loss of earnings
- Property and vehicle damage
- Travel expenses and treatment costs
- The emotional and psychological impact
- Effects on your daily life
Claims may include both general damages (pain, suffering, loss of amenity) and special damages (financial losses).
For serious or life-changing injuries, settlements can be substantial.
If You Lost a Loved One Due to an Uninsured Driver
You may still be eligible to claim compensation if a family member died in an accident caused by an uninsured or untraced driver.
While no amount of money can replace your loss, compensation can support:
Funeral expenses
Loss of income and financial dependency
Emotional suffering
Practical costs that arise unexpectedly
Our team handles these cases with care, respect, and clarity.
Start Your Claim Today With Claims24Hours
If you were injured by an uninsured driver, you shouldn’t face the financial burden alone.
Our legal experts can help you understand your options, prove negligence, and secure the compensation you deserve.
Call us today on +44 20 7043 3779
or request a free callback.
We’re here to help you rebuild after the accident — and we fight to get every penny you’re entitled to.