Every year in the UK, it is estimated that there are over 1 million uninsured vehicles on the road.
Car insurance is there to protect people who are involved in an accident on the road.
Insurance cover ensures the driver at fault is able (via their insurance company) to meet the cost of any loss, injury and damage caused by the accident, and to help put victims back in the position they would have been in had the accident never happened.
Car insurance is mandatory - and it is a criminal offence to drive without it – but sadly thousands of drivers continue to take to the road without insurance.
It is important to know that if you are injured due to the negligence of another driver and they are not insured, you can still pursue compensation in the majority of cases.
In some situations, although a driver is uninsured, there may still be insurance in place to cover the vehicle.
For example, if the owner is insured to drive the car but another person drives the car without insurance and causes an accident, the law states that the owners insurers (who insure the car) must meet any third party claims for compensation arising from the road traffic accident.
This means even if a driver is not insured to drive a particular car, provided there is an insurance company which insures somebody to drive the car, most innocent victims will be able to recover compensation from that insurer.
If someone is injured in an accident by a wholly uninsured vehicle, it is still possible to claim for compensation.
The Motor Insurers Bureau (MIB) is responsible for paying compensation to those injured at the hands of uninsured drivers.
Therefore, even if a vehicle is not insured, most innocent victims – including passengers in the uninsured drivers’ car - will be able to recover compensation from the MIB.
The route to getting that compensation you are entitled to can be a difficult one, with procedural hurdles to clear. Therefore, getting the right person for the job matters to ensure you receive the compensation you are entitled to.
If you would like to speak to a legal advisor, please call us on 0333 200 5925 or fill in our online enquiry form and we will be back in touch.