By Lewis Cobain. Last updated 12th August 2025. All motorists are required by law to have insurance. It is an offence to drive without insurance. Clients ask us, “I had a car accident with no insurance can I still claim?” If you were in an accident and the other driver did not have insurance, you may still be able to claim a form of compensation, depending on the circumstances of the accident.
Claiming compensation for a car accident where the other driver is not insured is a complicated matter. We recommend that you appoint a qualified solicitor to handle your claim and negotiate with all parties to get you the best compensation payout possible. Legal Expert can provide you with a qualified solicitor to handle your claim for compensation.
For advice about whether or not you can claim if you were involved in a car accident with no insurance but were not at fault call Legal Expert today for your free consultation on 0800 073 8804. Alternatively, contact us by filling out our online claim form to reach us. If we can see that you are owed compensation, we could provide an excellent solicitor to handle your car accident claim.
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Select A Section
- What Is A Car Accident With No Insurance?
- Can You Claim For A Car Accident Caused By An Uninsured Driver?
- MIB Claims For Accidents Involving An Uninsured Car Driver
- What Motor Insurance Is Legally Required In The UK?
- What Evidence Do I Need For My Car Accident Without Insurance Claim?
- Compensation Calculator For Accidents With No Car Insurance
- Special Damages Relevant To Car Accident Claims
- How Our Solicitors Can Help You
What Is A Car Accident With No Insurance?
A car accident is when two vehicles collide, causing damage to the vehicles and sometimes injuries. In some instances, a person can be seriously injured due to a car accident, for example, suffering 3rd-degree burns or paralysis.
Drivers owe other road users, including other drivers, passengers and pedestrians, a duty of care. This means that they are legally obliged to drive in a way that avoids injury both to themselves and to others. If a driver is found to have caused a road traffic accident by driving negligently, any persons who are injured can make a claim against the other driver’s insurance for compensation.
A car accident with no insurance can occur when a driver or passenger is involved in a car accident with an uninsured driver. We will now look in detail at how to claim compensation if an uninsured driver hit you, or if you were involved in a car accident and were uninsured.
Can You Claim For A Car Accident Caused By An Uninsured Driver?
Under the Motor Vehicles (Insurance Requirements) Regulations 2011, it is a legal requirement for motorists to have insurance. Therefore, if you are hit by someone driving with no insurance, they are breaking the law.
If a driver has no car insurance and hits you, you would claim through the Motor Insurers’ Bureau (MIB). The MIB offers compensation for motorists involved in accidents caused by untraceable or uninsured drivers. You will need to visit their website to begin a claim.
Get in touch if you have been hit by an uninsured car. Our advisors offer free 24/7 legal advice and could connect you with one of our expert car accident solicitors.
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What Happens If I Don’t Have Car Insurance In The UK?
If you were driving as an uninsured driver at the time of your accident, you will more than likely not be able to make a claim for compensation. Driving without insurance is a violation of road traffic laws. It can also come with a fine and a permanent revocation of your driving license.
For car insurance claim advice or to discuss what could be considered a no insurance car accident, please reach out to one of our advisers.
What Do I Need To Do After Being Injured In A No Insurance Car Accident?
If you have been involved in a car accident with no insurance, your first step should be to ensure that it is safe for you to leave your vehicle. Even if you happen to be the uninsured driver, it’s important to take appropriate precautions so that you do not put yourself at further risk after an accident.
Once you’re certain that you and your passengers are safe, take note of the model, make, identifying features, and registration number of the vehicle that hit you. Taking photographs documenting any vehicle damage or visible injuries can also be helpful. Finally, collect the contact details of the other parties and anyone who might have witnessed the road traffic accident.
In the event that someone is injured or you cannot exchange details with the other driver, it’s vital that you also inform the police about your accident as quickly as possible. Not only is doing so a legal requirement, but a police report can be useful as supporting evidence if you decide to pursue a road traffic accident claim.
For further information about whether you are eligible to make a car accident claim, please speak to one of our friendly advisors for free legal advice. Otherwise, please keep reading as we delve further into the question of “what happens if I have a car accident without insurance?”
MIB Claims For Accidents Involving An Uninsured Car Driver
How do you claim if you were hit by an uninsured driver? If you were hit by an uninsured driver you can claim compensation from the Motor Insurance Bureau (MIB). Motorists can claim for damages to their vehicle and compensation for any injuries they may have sustained. If you are the victim of a hit and run accident (where the other driver drives away from the scene) with an untraced driver you can also claim compensation through the MIB.
How do you make a car insurance claim if the accident was not your fault? You can appoint a solicitor to handle your claim from the MIB. The solicitor could arrange for you to have a medical assessment with a doctor, to assess the extent of your injuries and will be able to value your claim based on the outcome of the assessment. They will then negotiate with the Motor Insurance Bureau to ensure you receive an optimal compensation payout.
Statistics On Uninsured Drivers
According to the MIB, uninsured and hit-and-run drivers cost the economy an estimated £2.4 billion every year. Road traffic accidents are often reported to the police. Once the police confirm that a car is not insured, they can issue fines, seize the vehicle and implement a driving ban.
What Motor Insurance Is Legally Required In The UK?
In the United Kingdom, all drivers are required to have at least 3rd party insurance for every vehicle they drive. Driving without motor insurance is an offence. What is the penalty for driving without insurance?
Uninsured drivers risk a fine of up to £300 and driving a vehicle they are not insured to drive, and will have 6 points removed from their license. If the case goes to court, the uninsured driver can receive an unlimited fine and be disqualified from driving. The police also have the right to seize and destroy the car.
What Evidence Do I Need For My Car Accident Without Insurance Claim?
You may be wondering, “What happens if I have a car accident without insurance in the UK?” Presuming that you were insured and had an accident caused by an uninsured driver, you should gather evidence to help your case.
You could collect the following for an MIB case:
- Photos of the accident scene and any visible injuries you suffered.
- Dashcam or CCTV footage of the incident and its cause.
- Medical evidence. You can request a copy of your medical records from your healthcare provider to show how you were injured and what treatment you’ve received.
- The contact information of any eyewitness who can provide a statement at a later date.
- A police report if officers attended the scene
An independent medical assessment may be arranged during the claim to provide further evidence.
You can instruct a solicitor to help gather and present evidence. To learn what else a solicitor can do during the no insurance car accident claims process, just call our free helpline today.
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Compensation Calculator For Accidents With No Car Insurance
A claim for compensation after a car accident with no insurance can be split into of two heads of loss. These are called general damages and special damages.
The first, general damages, are to compensate you for the injuries you suffered. This includes psychological injuries as well as physical ones. When those injuries result in financial loss, then special damages can be claimed for.
For general damages, compensation can be impacted by several factors, including:
- How many injuries you suffered
- The severity of them, including how much pain they caused
- The time it took for them to settle or recover
- The prognosis for the future if the symptoms have not gone
- How the symptoms impacted the enjoyment of your life, e.g. did you have to give up a hobby that you loved?
During the claim, your solicitor may recommend that you undergo an independent medical examination. This will be somewhere near you and at a convenient time. A report would then be prepared by a medical expert, which would include some of the factors above.
This report can be used by your solicitor to value your general damages. They can also use a document called the Judicial College Guidelines (JCG). This contains suggested compensation brackets for a range of injuries.
Compensation Table
The table below shows some of the JCG’s suggestive brackets. Since they are guidelines, they are not a guarantee of compensation. Please note that the figure in the top row is not from the JCG. We’ve also included a pair of tariffs from the Whiplash Injury Regulations 2021 at the bottom.
| Type Of Injury | Severity | Guideline Amount |
|---|---|---|
| Multiple Very Severe Injuries Plus Financial Damages (e.g. Lost Earnings) | Very Severe | Up to £1,000,000+ |
| Brain Damage | Very Severe | £344,150 to £493,000 |
| Brain Damage | Moderate (i) | £183,190 to £267,340 |
| Brain Damage | Less Severe | £18,700 to £52,550 |
| Leg | Severe (i) The Most Serious Injuries Short of Amputation | £117,460 to £165,860 |
| Leg | Less Serious (i) Fractures From Which an Incomplete Recovery is Made or Serious Soft Tissue Injuries | £21,920 to £33,880 |
| Neck | Severe (ii) | £80,240 to £159,770 |
| Foot | Very Severe | £102,470 to £133,810 |
| Foot | Moderate | £16,770 to £30,500 |
| Whiplash | 1 or More Whiplash Injuries & 1 or More Psychological Injuries (18-24 Months) | £4,345 |
| Whiplash | 1 or More Whiplash Injuries (18-24 Months) | £4,215 |
Special Damages Relevant To Car Accident Claims
Various financial losses under special damages may be relevant to car accident claims. After all, you may have suffered severe injuries that required long-term physiotherapy. Or, you may have needed counselling if you suffered anxiety or post-traumatic stress disorder in a car accident with no insurance.
Other losses that you could include in your claim are:
- Loss of earnings, which can extend to future income, promotions, bonuses and workplace benefits
- Medical expenses, such as private medical treatments and medication costs
- Home modifications if your injuries affected your mobility, for example. Those adaptations can encompass stair lifts, hoists, and new doors to facilitate wheelchair access
- The expense of direct care for yourself and the indirect care costs of others. This may include the loss of earnings of a family member who took time off work to support you.
- Travel to and from appointments, such as parking fees or public transport
It’s essential that you provide evidence of your losses in the form of receipts, invoices, bank statements, and payslips. This documentation is needed in order to claim for any financial loss.
Our friendly team of advisors are here to help with any queries you may have about making a claim, such as ‘What happens if I have a car accident without insurance?’ To learn more, please contact our team today.
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How Our Solicitors Can Help You
If you wish to claim compensation for a car accident, you are not required to hire a solicitor in order to proceed. However, our solicitors offer excellent services that could make the process a lot easier for you. These include:
- Offering advice based on years of experience to help you make informed decisions for your claim
- Assisting you with the collection of evidence to strengthen your case
- Providing you with regular updates on your compensation claim and explaining anything you are unsure of
- An assessment of your compensation to estimate what your compensation should cover
- Skilfully negotiating your compensation to include the relevant general and special damages
We understand that choosing a solicitor to represent you is a big decision, so get in touch for more information about claiming for a car accident without insurance. Additionally, you can keep reading to find out more about the No Win No Fee agreements we offer.
No Win No Fee Claims For A Car Accident With No Insurance
If you have been injured in a car accident without insurance, you may be able to claim compensation for your injuries. We can offer you the option to make a No Win No Fee claim through an arrangement called a Conditional Fee Agreement (CFA).
Under a CFA, claimants don’t pay any solicitor fees upfront, during a claim, or when a case is lost. Instead, the solicitor will charge the client a success fee for their services if the claim wins. This will be deducted from their compensation, and the percentage taken is capped by law.
Contact Us To Make A Car Accident Claim
For free advice on No Win No Fee car accident claims, contact us on 0800 073 8804, contact us by filling out our online form or use our live chat service. If you have legitimate grounds to claim after an accident where the faulting party had no insurance, a personal injury solicitor will start working on your claim as soon as possible.
If you have any further queries about how to claim after a car accident with no insurance, please get in touch at any time.
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