I Was Injured In A Car Accident Without Insurance, How Do I Make A Claim?

Can You Claim Compensation If Injured In A Car Accident Without Insurance?

Have you suffered an injury in a car accident without insurance? Perhaps you have been hit by an uninsured vehicle on the road? If so, this guide will explore how you can make a claim if you have been in a car accident without insurance and were not at fault.

In this guide, we’ll answer some questions such as:

  • Can I claim if I had a car accident in someone else’s car without insurance?
  • I had a car accident without insurance. Can I still claim?
  • How does a car accident settlement without insurance work?
  • What happens if I had a car accident without insurance that was my fault?

Although valid insurance is a legal requirement across the UK, some drivers still aren’t insured on their car. There is a chance you could suffer a road traffic accident where the other driver is uninsured. This article will discuss what would happen if this was the case and you wanted to claim. 

Some people assume that if you’re in an accident with a driver who doesn’t hold insurance, then you’re not able to claim. This isn’t true. Our guide will give you the information you need to feel comfortable and confident in making a claim against an uninsured driver.

Get In Touch With Our Team 

If you have experienced a car accident without insurance and want to know more about making a personal injury claim, our team of advisers can help. They will be happy to have a chat with you to learn more about your road traffic accident and injuries.

You can call our friendly team of advisers on 020 3870 4868 to have a chat about your accident and subsequent injuries. Once they have the information they need, they may be able to forward you to our panel of lawyers who can help you with your claim. 

Alternatively, you can begin your claim online, and an adviser will get back to you at your earliest convenience. If you’d like an instant reply, you can use our live chat pop-up box, where you will receive an instant response. Don’t hesitate to get your claim started today – we can help.

Services And Information

  1. Everything You Need To Know About Being Injured In A Car Accident Without Insurance
  2. What Is A Car Accident Without Insurance?
  3. Statistics On Uninsured Drivers
  4. What Motor Insurance Do You Need In The UK?
  5. Road Traffic Accident Compensation Calculator
  6. Can You Claim For A Car Accident Without Insurance?
  7. Could I Claim If Someone Else Caused The Accident?
  8. Can You Claim If You Are Insured But The Other Driver Is Not
  9. Could You Claim If A Party Other Than The Driver Was Insured?
  10. Uninsured Driver Claims Through The Motor Insurance Bureau
  11. How Much Time Do I Have To Claim For A Car Accident Without Insurance
  12. I Suffered An Injury In A Car Accident, What Should I Do?
  13. Can Claims For Car Accidents Without Insurance Be Handled On A No Win No Fee Basis?
  14. Other Information
  15. FAQs About Car Accident Injury Claims

Everything You Need To Know About Being Injured In A Car Accident Without Insurance

This article discusses how to make a personal injury claim regarding a car accident in which the other driver was not insured. Without insurance on the other driver’s car, you may be wondering whether you can make a personal injury claim.

In the UK, it is illegal to drive a car without insurance. The penalty is 8 points on your driver’s license and a fine. If you have a car accident without insurance and file a claim, the uninsured driver could have their car seized by the police. 

Although you can claim against another driver for a car accident without insurance, the process can differ from a claim against an insured driver.

What Is A Car Accident Without Insurance?

There are various different ways that a car accident can occur. There are also many different kinds of accidents that can result in a person being injured. One example is a T-Bone or side-impact road traffic accident. This is when one car crashes into the side of another. It can happen if one driver turns without checking to see if another car is coming. 

Another kind of car accident that can occur on a public road is a head-on collision. This is where two cars drive towards each other and crash into the front of each other. A crash of this kind could occur if one vehicle was driving down the wrong side of the road. 

Car accident without insurance statistics graph

Road traffic collisions can cause significant injuries to both parties. The above graph displays statistics regarding the severity of reported road traffic accidents in 2019. It shows that, while car occupants are more likely to be slightly injured than seriously injured or killed, death or serious injury is a possible outcome of a car accident. While these statistics don’t relate directly to drivers without insurance, we can infer that some of these accidents may have involved a vehicle that was uninsured. 

Statistics On Uninsured Drivers

The Motor Insurers’ Bureau is responsible for providing compensation to people who have been injured in accidents with uninsured and untraced vehicles. They have collected and released statistics about these kinds of accidents. 

In 2018, there were over 26,000 injuries caused by the drivers of uninsured or untraced vehicles. This is the equivalent of someone being injured by an uninsured driver every 20 minutes. In the same year, there were 130 fatalities reported as a result of accidents that involved drivers with no insurance or who couldn’t be traced. 

These drivers don’t just have an impact on the lives of those who are injured. It’s estimated that accidents caused by drivers without insurance or who “hit and run” cost the economy £1.8 billion in things like emergency services and medical care. Uninsured driving also costs insurance companies £400 million each year

What Motor Insurance Do You Need In The UK?

At the very least, every driver in the UK must have third-party vehicle insurance by law. This will cover any payouts for damage or injury you may cause to another driver during an accident. However, it doesn’t cover the costs of any damage to your vehicle. For that, you would need fully comprehensive insurance.

The Road Traffic Act 1988 states that an individual must not drive a car on a public road if they do not have motor insurance. It’s a criminal offence to drive without insurance.

Road Traffic Accident Compensation Calculator 

Every road traffic accident and the injuries sustained from it are unique, so compensation amounts can widely differ. When we value your claim, we collect as much information as possible about the circumstances of the accident. This is why the valuation service we offer can be more accurate than the one you might receive on an online personal injury claims calculator. 

However, the table below includes some figures from the Judicial College Guidelines to give you an idea of how much compensation you could be awarded. It’s important to note that compensation amounts aren’t guaranteed, and you may not receive the compensation figures outlined in the table below.

Injury:Severity:Notes:Compensation:
Shoulder InjuriesSevereAssociated with neck injuries with severe damage to the brachial plexus.£18,020 to £45,070
Shoulder InjuriesModerateStuck shoulder with limited movement and discomfort with persistent symptoms for around two years.£7,410 to £11,980
Injuries to the Pelvis and HipsSevereExtensive pelvis fractures involving, for example, dislocation of a low back joint and a ruptured bladder.£73,580 to £122,860
Injuries to the Pelvis and HipsModerateSignificant pelvis or hip injury but permanent disability is not major and minimal future risk.£24,950 to £36,770
Back InjuriesSevereDamage to the spinal cord and nerve roots. Severe pain and disability with incomplete paralysis and and significantly impaired bladder, bowel, and sexual function.£85,470 to £151,070
Back InjuriesModerateCompression/crush fracture of the lumbar vertebrae where there is significant risk of osteoarthritis with pain and discomfort.£26,050 to £36,390
Arm InjuriesSevereInjuries which fall short of amputation but are serious, leaving the person unable to use their arm.£90,250 to £122,860
Arm InjuriesModerateSignificant disabilities where recovery has taken place or is expected.£36,770 to £56,180
Elbow InjuriesSeverely disabling An injury resulting in disability£36,770 to £51,460
Elbow InjuriesModerate or Minor Simply fractures or tennis elbow syndrome. Up to £11,820
Hand InjuriesLoss of both hands Total or effective loss of both hands.£132,040 to £189,110
Finger InjuriesSevereSevere finger fractures.Up to £34,480

The figures above from the guidelines will make up the general damages head of your claim. General damages compensate for the injury itself and the effect it has had on your quality of life. 

In order to calculate the general damages for your claim, you’ll be asked to attend a medical appointment with an independent expert. Here, your injuries will be examined, and a report of their findings will be sent to your lawyer. They will then refer to this report and the guidelines to value the general damages head of your claim. 

Special damages compensate for the financial impact the injury has had on your life. For example, if you had to take sick leave from work and suffered a loss of income as a result, this could be reimbursed. Special damages can also include things like care costs, loss of future earnings and the cost of medication or treatment that you can’t get on the NHS. 

You must provide evidence in order to qualify for special damages. Keep any bills, invoices and receipts to support the special damages head of your claim.

Can You Claim For A Car Accident Without Insurance?

Making a claim for a road traffic accident without insurance is possible. An uninsured driver could pursue a personal injury claim and claim compensation against the driver at fault.

However, even though an uninsured driver can make a claim against the driver who is at fault for the accident, it is illegal to be uninsured. This means that the uninsured driver will be fined by the police for being on the road illegally, and their car will be seized.

Could I Claim If Someone Else Caused The Accident?

If you have a fully comprehensive insurance policy, this means your own insurance company can pay out following an accident. You could make a claim to cover the costs of your vehicle damage.

Even if you weren’t at fault, your insurance premiums could increase, and you may lose your no-claims bonus. This is because your insurance is paying out for the costs of the damage to your car, rather than the other parties’ insurance compensating you for it. 

If you were involved in an accident with a driver who doesn’t hold insurance, you could also claim through the Motor Insurers’ Bureau. They are a non-profit organisation that provides compensation where the usual routes to compensation (for example, through an insurance company) are difficult or impossible to achieve. The MIB will be able to pay you compensation for your injuries as well as vehicle repair.

Can You Claim If You Are Insured But The Other Driver Is Not

There are two ways you can make a claim against an uninsured driver:

Uninsured drivers claims / comprehensive cover

If you have comprehensive insurance, you can claim for damage to your car through your insurance provider. However, in doing this, you may lose your no-claims bonus. Even if this doesn’t happen, your insurance provider could increase your premium upon renewal. You won’t be able to receive payment for your injuries when claiming through comprehensive cover either. 

Motor Insurer’s Bureau (MIB)

If you don’t have comprehensive insurance, you could claim through the MIB. This means you could keep your no-claims bonus, and your car insurance premium costs may not go up. 

The Motor Insurer’s Bureau will consider claims for vehicle damage and personal injury where these claims can’t be made elsewhere, such as to an insurance company

Could you Claim if the Accident was Caused by the Road Conditions?

Bad road conditions can cause dangerous, preventable road traffic accidents to occur. Local authorities, such as the local council, are responsible to ensure the roads are as safe as reasonably possible for drivers. 

If the local council neglects this responsibility and breaches their duty of care, you may be able to file a claim with a personal injury lawyer. You could claim special and general damages for this type of car accident. 

You should always ensure you provide evidence when claiming for a car accident caused by road conditions. This could be pictures of your injuries, witness statements, and images of the hazards on the road. Evidence such as this will help strengthen your claim for compensation. 

If you’d like to begin your personal injury claim for a road traffic accident due to road conditions, get in touch with our team of advisers today. They provide 24/7 free legal advice and can forward you to our panel of personal injury lawyers after learning more about your injuries

Uninsured Driver Claims Through The Motor Insurance Bureau

If you are an insured driver and you get into a road traffic accident with an uninsured driver, your personal injury solicitor could make a claim through the Motor Insurance Bureau (MIB). You can find a guide to making a MIB claim against an uninsured driver that walks you through the steps. 

The MIB pays you compensation on behalf of the uninsured driver. It is paid for through the insurance premiums of all motorists. The process is similar to that of a standard personal injury claim after a road accident. 

Get in touch with our team of advisers today.  They can offer you free legal advice regarding making a personal injury claim through the Motor Insurance Bureau. Once you’ve had a chat with an adviser, you are under no obligation to continue with our services.

However, if you’d like to begin your personal injury claim, we can pass you on to our expert panel of lawyers. They can then discuss No Win No Fee agreements with you and begin your personal injury claims process. Our panel of personal injury lawyers can help you get the compensation you deserve

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How Much Time Do I Have To Claim For A Car Accident Without Insurance

The personal injury claims time limit is generally three years. That’s three years from when you suffer the accident or discover your injuries are due to the car accident. If you are under 18, however, the three-year time limit begins on your 18th birthday. 

While you’re still underage, a friend or family member can act as a Litigation Friend to pursue the claim on your behalf. Similarly, if you are incapacitated, the personal injury claims time limit begins if you regain your mental capacity. Otherwise, someone you trust can become a litigation friend to file the claim for you.

We recommend you get in touch with our team of advisers as soon as possible to ensure you are within the three-year time limit. Our advisers are available 24/7 and can offer you free legal advice.

They can have a chat with you about your accident and injuries. If they feel you have a valid claim, they can then forward you to our expert panel of lawyers. You shouldn’t have to suffer because of someone else’s irresponsible driving – let our panel of solicitors help you.

I Suffered An Injury In A Car Accident, What Should I Do?

If you have suffered an injury in a car accident, we strongly recommend you work with a personal injury lawyer to give your claim the highest chance of success. Our panel of lawyers includes fully qualified and experienced personal injury solicitors who can help with your claim.

We understand this can be a daunting and stressful time for you. We’re here to help guide and support you through it. Our panel of lawyers will work hard to help you receive the compensation you deserve.

When you contact our friendly team of advisers, they can chat with you about the details of your car accident and offer free legal advice. They can then connect you with our expert panel of lawyers who can discuss No Win No Fee agreements with you too.

Can Claims For Car Accidents Without Insurance Be Handled On A No Win No Fee Basis? 

Our panel of personal injury lawyers would be happy to work with you on a No Win No Fee basis provided your claim has a good chance of success. No Win No Fee agreements are popular among claimants as there are no solicitor fees to pay unless your case succeeds.

If your case fails, you don’t have to pay anything for the time your solicitor has spent working on your claim. If your case succeeds, your lawyer will deduct a small, legally capped percentage of your compensation. This percentage will be discussed with you beforehand, and you’ll always receive the majority of the compensation that’s paid to you. 

As the personal injury claims time limit is three years, we recommend you get in touch with us today. Our team of advisers can speak with you about your claim. If your claim has a good chance of success, they can connect you with our experienced, professional panel of lawyers.

You can contact us by:

  • Calling us on 020 3870 4868. Our team of advisers are available 24/7 to offer free legal advice.
  • Using our live chat pop-up box for an instant reply.
  • Starting your claim online. An adviser will get back to you at your earliest convenience.

Other Information

Personal Injury Claims: Have you suffered an accident that may not have been your fault? Our guide explores how you can make a personal injury claim to gain compensation.

Road Traffic Accident Solicitors: If you have suffered a road traffic accident, our article guides you through the personal injury claims process.

What Happens If I Am Hit By An Uninsured Driver? – Uninsured Motorist Compensation In The UK: If you have been hit by an uninsured driver, our guide discusses how you can make a personal injury claim to compensate for your injuries.

How do I know if I’ve Broken a Bone?: If you suspect you may have a broken bone injury, this NHS article contains the signs and treatment.

Broken Arm or Wrist: Do you suspect you may have a broken arm or wrist injury? This NHS guide includes the treatment and recovery time.

The Highway Code: The Highway Code provides guidance to the duty of care that all road users owe to one another.

FAQs About Car Accident Injury Claims

Do I legally have to have car insurance to drive?

Yes. It’s an offence to drive a vehicle on a public road if you don’t have at least third party insurance. 

How is the MIB funded?

The Motor Insurer’s Bureau is funded by the insurance premiums paid by drivers’ insurance premiums. Every insurance underwriter who provides compulsory motor insurance must be a member of the MIB.

What to do if you get into an accident with someone who doesn’t have insurance?

If you suffer a car accident with someone who doesn’t have insurance, you can claim through the Motor Insurer’s Bureau if they were at fault.

Writer PL

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