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I Was Injured In A Car Accident With No Insurance, Could I Still Claim Compensation?

What Is A Car Accident With No Insurance?

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 have been involved in a car accident and you were in a car without insurance, or you were insured but the other driver had no insurance, you may still be able to claim a form of compensation, depending on the circumstances of the accident.

Car accident with no insurance

Car accident with no insurance

Claiming compensation for a car accident, where either you or 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 not at fault, or at fault, call Legal Expert today for your free consultation on 0800 073 8804. Alternatively, use our online claims form to reach us. If we can see that you are owed compensation, we could provide an excellent solicitor to handle your claim.

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A Guide To Claims For Car Accidents With No Insurance

At Legal Expert we often hear questions such as these from our clients:

  • “How do I claim if I was hit by an uninsured driver?”
  • “What happens if you don’t have insurance and someone hits you?“
  • “Can I settle car damage without insurance?”

This is a complicated matter, so we have created this guide to claiming for a car accident without insurance. This guide will explain to people who have been involved in a car accident without insurance, whether or not they can claim compensation. Remember, if you have been injured in a car accident with no insurance, you may still be eligible to claim compensation. To begin your compensation claim, call Legal Expert to speak to one of our advisors. If we can see that you can still claim, we could provide you with a solicitor to handle your claim, who could start working on your case as soon as possible.

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, or may even lose their lives. 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 which upholds the safety of 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 be when a driver is involved in a car accident, where they did not have motor insurance. Or when a driver or passenger has been involved in a car accident where the other driver was uninsured. This makes the topic of claiming compensation, more complicated. We will now look in detail at how to claim compensation if you were hit by an uninsured driver, or were involved in a car accident and were uninsured.

Could You Claim For A Car Accident If You Have Insurance, But The Other Driver Does Not?

Driving without insurance is an offence in the United Kingdom, unfortunately, there are an estimated 1.2 million uninsured drivers on the roads in the UK. If you are involved in an accident with an uninsured driver, it can be distressing to think that this person showed so little disregard for your safety and the safety of others. Many people worry that if they are hit by an uninsured driver, could they still claim compensation for their injuries and any damage to their vehicle?

Source URL: www.actuarialpost.co.uk/article/young-uninsured-drivers-down-by-half-2351.htm

The good news is that it is still possible to claim compensation if you are involved in an accident with an uninsured driver, the bad news is that the process may be more complicated. How do you claim if you were hit by an uninsured driver? This is because you will not be able to recover the compensation from an insurer.

Even if you are an insured driver and you are involved in a car accident that was not your fault, with an uninsured driver, in theory you should be able to claim compensation directly from the other driver. In practice, most people will not have enough money to pay for these damages. Most people who are hit by an uninsured driver, claim compensation from the MIB (Motor Insurance Bureau). The Motor Insurance Bureau (MIB) is a non-profit organisation that was set up to pay claims for those who have been involved in a car accident with an uninsured driver. It is funded by taking a cut of every motor insurance premium that is paid, in the UK. We will look at how this works in more detail, later.

Will a non-fault accident affect your insurance? If you are hit by an uninsured driver and make a claim against your own insurance, this may affect your no claims bonus and premiums, depending on the terms of your insurance agreement. The MIB will often reimburse insurance companies, after they have paid out for a claim, in which case the company may reduce your premiums to what they were before the accident and reinstate your no claims bonus. Check with your insurer for their policy.

If the accident was your fault, you will not be able to make a claim for damages to your vehicle, or your injuries through the Motor Insurance Bureau. You may be able to make a compensation claim from your own insurance policy, but this is likely to affect your no claims bonus and your insurance premiums.

Could I Claim For A Car Accident With No Insurance

We will now offer car insurance claim advice, for people who had an accident whilst driving without insurance. As we have said, driving a vehicle that you are not insured to drive, is an offence. If you make a compensation claim against the other driver, it is likely that the police will prosecute you even if you were not at fault.

I Did Not Cause The Accident, Could I Claim Compensation?

What happens if you don’t have insurance and someone hits you? If you are driving without insurance and you are involved in a car accident that was not your fault, you will have the same rights as a pedestrian who was injured by a negligent driver. In theory, you could still claim compensation for your injuries, including general damages for the pain, suffering and loss of amenity that your injuries caused, and special damages which were caused by negligence and any financial losses you have incurred due to your injuries. However, you will only be able to claim compensation, if there is evidence that the other driver was at fault, which may be difficult to prove, or the other driver admits fault. Please be aware that you may also face prosecution, which could outweigh any benefits of making a claim.

Sometimes we get calls from drivers asking us, “Can I settle car damage without insurance?” The answer is no. Without car insurance, you will not be able to claim for damages to your vehicle.

MIB Claim For Car Accidents Where One Party Was Uninsured

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 cuold arrange for you to 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.

The Driver Was Uninsured But Someone Else Is Insured, Could Claims Still Be Made?

There are instances where the vehicle involved in an accident is insured, but the person driving it is not. For example, the registered keeper of the vehicle is insured to drive the car but a member of their household takes the car out, with or without their permission. In this instance, the law states that the insurers of the car must pay out for a claim made by a third party, for a road traffic accident. Therefore most innocent victims of car crashes will be able to claim compensation for their injuries and damage to their vehicle, in this scenario.

Uninsured Driver Statistics

According to the Institute of Advanced Motorists (IAM) there are 1.2 million uninsured motorists on the road. The Motor Insurance Bureau reported that in 2018, over 26,000 injuries were caused, due to untraced or uninsured drivers, this is the equivalent of one injury being caused every 20 minutes. Approximately 130 people are killed each year by an uninsured or untraced driver, meaning that uninsured drivers and hit and run drivers, disproportionately kill more people on the road. The cost of the damage caused by uninsured and untraced drivers, including the cost of working hours lost when people become injured, is an estimated £1.8 billion a year.

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 a right to seize and destroy their car. Therefore driving without motor insurance is never worth the risk to you and others.

Source URL: www.gov.uk/vehicle-insurance/driving-without-insurance

Compensation Calculator For Accidents With No Insurance

If you have been injured because of a car accident with no insurance, you can use our personal injury claims calculator to estimate how much compensation you could receive for your injuries. This estimation is for general damages to compensate you for your injuries. The estimation does not include special damages you may be able to claim, or damages you may be able to claim for damage to your vehicle.

Type Of InjurySeverityNotesSettlement With 10% uplift
Brain DamageModerately SevereClaimants may have a serious and substantial disability. They may also depend on other people from a high degree of care. How much is awarded depends on the ability to communicate and projected life expectancy.£205,580 - £264,650
Brain DamageModerate (i)In moderate brain damage cases the claimant could have a severe intellectual deficit, effects on their speech and other senses such as their sight.£140,870 - £205,580
Brain DamageLess SevereIt is projected that victims could make a ‘good recovery’. Not all normal functions might return.£14,380 - £40,410
Foot InjuryVery SevereFoot injuries at this level must include the equivalent to permanent pain and / or disability. Examples could include the forefoot being amputated.£78,800 - £102,890
Foot InjurySevereA severe injury to a foot or to both feet might present as fractures to both (left and right) heels. Might also include the significant risk or existing conditions being exacerbated.£78,800 - £102,890
Foot InjuryModerateModerate injuries may present as a displaced fracture of the metatarsal bones. The foot may be permanently deformed.£12,900 - £23,460
Toe InjuriesModerateIncluding moderate bone fractures, breaks and similar levels of injury.Maximum ff £9,010
Leg InjuriesSevereSevere leg injuries are the highest bracket compensation is awarded for short of amputation.£90,320 - £127,530
Leg InjuriesModerateMight include single or multiple uncomplicated leg bone fractures.£26,050 - £36,790
Leg InjuriesLess SeriousFractured or broken bones which do not fully recover.£16,860 - £26,050

Alternatively, call Legal Expert today, for a personalised estimation of the damages, which you could claim.

Special Damages Relevant To Car Accident Claims

If you make a successful personal injury claim for injuries you suffered in a car accident, you will be awarded general damages to compensate for the pain, suffering and loss of amenity brought on by your injuries. You will also be awarded special damages, to reimburse you for any out of pocket expenses you have incurred as a result of being injured. This can include medical expenses, travel expenses, expenses related to home adaptations, expenses related to mobility equipment, care expenses and reimbursement for lost income.

No Win No fee Claims For A Car Accident With No Insurance

If you have been injured in a car accident without insurance, where you were not at fault you may be able to claim compensation for your injuries. We can offer you the option to make a no win no fee claim, also known as a Conditional Fee Agreement (CFA). As the name suggests, a no win no fee claim is when the claimant doesn’t pay an upfront solicitors fee, making the claims process more affordable for many. Instead, the solicitor will charge the client a success fee on the grounds that they win their claim, which will be deducted from their compensation package, lessening any financial risk involved for the claimant.

Read our online guide to making a claim using a no win no fee solicitor to learn more. Or alternatively, call Legal Expert today to speak to an advisor about making a no win no fee car accident claim today.

Why Should You Choose Legal Expert For Your Claim

If you have been injured in a car accident without insurance, or were hit by an uninsured driver, speak to Legal Expert about making a no win no fee claim. What can we offer you if you choose to make your claim with us? The advice and services of a knowledgeable expert solicitor, with up to thirty years of experience handling personal injury claims.

We could also provide you with an accurate valuation of what your claim is worth, based on a medical report and a promise that we shall always try to secure claimants the maximum amount of compensation they are eligible to claim. And the option to make a no win no fee claim, for there is less financial risk involved for you.

Contact Us To Make A Car Accident Claim

To begin your no win no fee car accident claim, contact us on 0800 073 8804 or use our online claims form to reach us. If you have legitimate grounds to claim, a personal injury solicitor will start working on your claim as soon as possible.

Essential References For Claimants

How Much Compensation For Car Accident Claims? A helpful guide to car accident compensation claims.

Hit And Run Accident Claims – Check how much compensation you could claim for a car accident with our hit and run claims calculator.

Whiplash Compensation Calculator – Check how much compensation you could claim for whiplash and neck injuries, such as those caused by road traffic accidents.

External Resources:

A Government Guide To Claiming Compensation If Hit By An Uninsured Driver – A guide from the UK government on what to do if hit by an uninsured driver.

Information About Making A Claim Through The Motor Insurance Bureau – Further information about claims through the MIB.

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