Hit by an uninsured driver claims

Can I claim against an Uninsured driver?

If the vehicle used by the uninsured driver is insured for someone else to drive that insurance company may still be willing to deal with claims for injury compensation from an innocent party - even though they do not insure the driver. This decision will be down to the discretion of the insurance company involved. If they are not willing to deal with it or if there is no insurance policy in force for the vehicle at all, then you are still able to make a claim through the Motor Insurers’ Bureau (MIB). The Motor Insurers’ Bureau (MIB) is an organisation which deals with claims for innocent members of the public who have been injured in a road traffic accident or had their property damaged by an uninsured driver. In addition to paying you compensation, the MIB will also pay your legal costs. However, the accident must have happened on a public road or an area to which the public and their vehicles have open and unfettered access. This is because the legal obligation to have insurance for vehicles does not apply in private roads or places. Whilst employers must have employers’ liability insurance for employees driving vehicles on their premises, there is no corresponding duty to have public liability or other insurance to cover other vehicle accidents involving members of the public or third parties on the employers’ private land.