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 or fill in our online enquiry form and we will be back in touch.
No win no fee personal injury solicitors
The expression “No Win – No Fee” is often used in personal injury cases. It is used as a way of funding a compensation claim where the accident victim does not have the means to pay for the costs involved as the case progresses.
A number of solicitors are prepared to handle personal injury cases on a “No Win – No Fee” basis but very few are able to offer their clients complete protection if the case is unsuccessful.
In that event, the client could end up being liable for many thousands of pounds in legal expenses or the case won't be fully investigated and therefore likely to under-settle.
Compensate 'no win no fee' funding
Digby Brown has its own funding company, Compensate, which provides the funding to allow the case to be fully investigated, employ the best experts surrounding the circumstances of the accident and/or injuries sustained and where and if necessary go to court.
If for whatever reason the case is unsuccessful, Compensate pays all your legal expenses and those of your opponent – you pay nothing.
On average our clients receive over 3 times the pre-litigation offer
Because of Compensate funding Digby Brown's success rate is extremely high and on average our clients receive three times the pre-litigation offer.
In the event the case is successful, a small percentage of your damages will be deducted with VAT to pay for this service. The percentage which Compensate will charge depends on the degree of risk involved. We believe that this is the fairest method of giving clients access to justice whilst ensuring their cases are fully investigated, prepared and funded.
Beware of compensation offers which may be too good
We know you will have seen many adverts offering 100% compensation or telling you that you will not lose any of your compensation, however we believe there are a number of problems with companies that do this.
- How do they make their money if they don’t charge you anything?
- If they aren’t taking any money from you, the client, what incentive do they have to ensure you receive the right level of compensation, appropriate to the injuries you have sustained?
- Fully preparing a case, finding out exactly what happened and what the consequences of your injuries may mean in the long term, is expensive, how do they do this properly?
- If they aren’t fully preparing these cases will they just accept the first offer they are given on your behalf by the Insurance company?
- It makes simple business sense, the less work they do the higher their profit margin is - they simply have no incentive to work harder on your behalf.
- These adverts in the main are from English firms on national television which operates in a different way and therefore wouldn’t apply to a Scottish person.
We know from the many client cases we mandate from other firms of solicitors (in the main at the request of the client who is extremely unsatisfied with the service received for the other firm) that many shortcuts are taken in preparation and that the first offer received is being recommended for acceptance, regardless of the value.
Getting something for nothing is usually the first sign of poor service.
Correct level of compensation with Digby Brown
Our experience and statistics show time and time again we will achieve the correct level of compensation which will be substantially more than the insurer is initially prepared to offer.
Even after we have deducted our percentage as a success fee you will gain considerably more than you would have achieved using a 100% compensation model.
Contact Digby Brown's personal injury solicitors
For further information about no win no fee, or anything else, call us on 0333 200 5925 or fill in our enquiry form below and someone will get back in touch with you.
What our clients say about us
We put our clients at the centre of everything we do and are committed to providing the very best service. The hundreds of five star reviews we have received on Trustpilot is a reflection of this approach.
I was in a car accident I contacted Digby brown Ma...Marie Milton -
I used the services of Digby Brown following a car...KARIN ROBB -
Laura Wilson was the solicitor for me in regards t...Iain -
I was involved in a near-fatal road traffic accide...Kevan -
Digby Brown were excellent in handling my traffic ...Mr Frew -
After a traumatic accident I was given not only ex...Helen Wrench -
Was the help that we need it at that time. Many th...Mrs. Clonta Maria Loredana -
Professional, direct, great communication, deliver...Brendan Coyle -
Traffic accident in Spain. After our case was u...James, Edinburgh -
2 years ago I was in a car accident and I went to ...Michelle Allan -
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