Uninsured Driver Compensation
If you have been in an accident and suffered injuries which were the fault of an uninsured driver, you can still make a claim for compensation against them.
Motor accidents are a traumatic and can be a devastating event. This can be made worse to find out that the person responsible is not insured. The driver being uninsured will not mean you will get less compensation than had it been an insured driver.
As all drivers who use the roads have to have insurance, it means that any compensation for personal injury is paid by the insurance company.
Making a Claim
If you have been injured because of the actions or inactions of an uninsured driver you can still make a claim for compensation for any personal injuries suffered. Personal injuries can include physical and psychological injuries.
The process of taking legal action against someone who you think is responsible is the same whether they are insured or uninsured. This includes all the procedures that are involved in making a claim.
The Motor Insurers Bureau
In the UK there is a scheme in place to protect people who have been injured by an uninsured driver.
The uninsured driver compensation scheme is authorised by the government and comes from the Motor Insurers Bureau. The Motor Insurers Bureau was established to compensate victims of negligent uninsured drivers.
Because of the sums of money that can be involved in trying to restore a person’s life after an accident there needs to be a system of insurance in place. While the majority of drivers have insurance there are a few that are not and they have caused accidents. Without the Motor Insurance Bureau victims of uninsured drivers would suffer substantially.
The money to fund the Motor Insurers Bureau comes from other motorists who pay their car insurance premiums.
A claim can be submitted to the Motor Insurers Bureau if it becomes apparent that the person responsible for the accident has not got insurance.
For compensation to be paid by the Motor Insurers Bureau there needs to be a judgment obtained in a civil court. However, in most circumstances the Motor Insurers Bureau will try and settle by agreement rather than going all the way to a trial.
In most motor accidents your insurance company will deal with a lot of the legal work for you. In most car insurance policies they include legal expenses cover. This means that your insurance company will cover your legal expenses and usually find a solicitor on your behalf.
The Motor Insurers Bureau also has a free legal expenses scheme. This is for people who do not have insurance that covers their legal expenses.
There is also compensation available if the driver responsible cannot be identified. This means victims who have suffered injuries through a motor accident can still claim compensation, even if the party responsible is not available or identifiable.