A road traffic accident can happen anywhere without warning, leaving those affected facing the fallout of being injured through no fault of their own. When the driver responsible for the incident lacks insurance, this can cause further uncertainty. You may find yourself asking, ‘Who will pay my compensation?’ and ‘How much compensation for an uninsured driver accident could I receive?’ If that is the case for you, please continue reading for further guidance.
Most road accident cases require an insurance provider to pay compensation, but uninsured driving claims work slightly differently. Rather than claiming against the driver, you would seek compensation through the Motor Insurers’ Bureau (MIB). This is the organisation responsible for paying compensation to individuals involved in accidents caused by untraced or uninsured drivers.
Key Takeaways
- There are over 26,000 victims of uninsured or hit-and-run drivers each year.
- Generally, the MIB aims to make a decision on paying compensation in uninsured driving claims within 3 months.
- The MIB is funded through insurance premiums.
- One of the solicitors from our panel can help you claim through the MIB on No Win No Fee terms.
Do not hesitate to contact our team of How Much Compensation advisors if you have any queries. They can assess your eligibility to claim, free of charge. You could access tailored advice and potentially be connected to an expert solicitor from our panel, so why not get in touch?
- Submit an online contact form
- Call 0800 408 7826
- Chat live via the pop-up
We are here to help you
Here at HowMuchCompensation.co.uk our expert advisors are on hand 24 hours a day 7 days a week to assess your compensation claim. Should you require free legal advice we can connect you to a specialist solicitor.
Jump To A Section
- How Much Compensation For An Uninsured Driver Claim Can I Get?
- Can I Get Compensation For Special Damages Against An Uninsured Driver?
- Am I Able To Make An Uninsured Driver Claim With The MIB?
- What Is The Motor Insurance Bureau’s Uninsured Driver Agreement?
- What Is The Process For MIB Uninsured Driver Compensation Claims?
- Can I Use A No Win No Fee Solicitor To Claim MIB Uninsured Driver Compensation?
- More Information
How Much Compensation For An Uninsured Driver Claim Can I Get?
If your uninsured driver claim wins, how much compensation you can get will depend on the unique factors of your injuries and whether they resulted in financial loss. The first part of the compensation to consider is general damages, which covers the suffering and pain associated with your injuries. General damages can also account for any impact on your quality of life.
Car accident injuries are extremely varied. You may develop psychological conditions, as well as suffer brain injuries, nerve damage and amputated limbs. When calculating the potential value of this harm, legal professionals can use the Judicial College Guidelines (JCG). This text is useful for this purpose, as it outlines compensation guideline brackets for different types and severities of injury.
You will find some JCG brackets in the following table, but they do not guarantee compensation. Please also note that the first figure doesn’t come from the publication.
| Type of Injury | Severity | Compensation Guideline Bracket | Notes |
|---|---|---|---|
| Multiple very severe injuries with financial losses | Very severe | Up to £1,000,000+ | Financial costs may include loss of income |
| Brain | Very severe | £344,150 to £493,000 | Bracket considers factors such as level of insight and how extensive physical limitations are |
| Back | Severe (i) | £111,150 to £196,450 | Nerve root and spinal damage, with the presence of severe pain. |
| Arm Amputation | Loss of 1 arm (i) | Not less than £167,380 | Amputation of arm at shoulder |
| Leg Amputation | Above-knee amputation of 1 leg | £127,930 to £167,760 | Factors considered include phantom pains, psychological damage, and stump issues |
| Chest | Traumatic injury to heart, chest and/or lungs (b) | £80,240 to £122,850 | There will be permanent damage and function impairment |
| Neck | Severe (iii) | £55,500 to £68,330 | Significant, permanent disability and chronic conditions caused by injuries such as fractures or dislocations |
| Kidney | Loss of 1 kidney (c) | £37,550 to £54,760 | No damage to the other kidney |
| Pelvis/Hips | Moderate (i) | £32,450 to £47,810 | Injury is significant, but there will not be a major permanent disability |
| Shoulder | Serious | £15,580 to £23,430 | Pain in shoulder/neck and sensory symptoms caused by shoulder dislocation and lower brachial plexus damage |
We are here to help you
Here at HowMuchCompensation.co.uk our expert advisors are on hand 24 hours a day 7 days a week to assess your compensation claim. Should you require free legal advice we can connect you to a specialist solicitor.
You can contact one of our advisors for a free assessment and a more tailored discussion of compensation.
Can I Get Compensation For Special Damages Against An Uninsured Driver?
You can get compensation for special damages in an uninsured driver claim if your injuries led to financial loss. If you are able to provide evidence of these costs, such as receipts or bank statements, you may be eligible to add the following losses to your uninsured driver claim through the MIB:
- Lost income, including future earnings
- The cost of professional support required to help you with daily tasks
- Payments made to adapt your home, such as installing a stairlift if you now have mobility issues
- Medical costs, including private treatments and prescriptions
- Travel expenses to attend medical appointments, whether parking fees or paying for public transport
Speak with a member of our enquiries team today if you have any queries about special damages. They can also discuss how these damages are considered when assessing how much compensation for an uninsured driver accident might be paid out to a successful claimant.
We are here to help you
Here at HowMuchCompensation.co.uk our expert advisors are on hand 24 hours a day 7 days a week to assess your compensation claim. Should you require free legal advice we can connect you to a specialist solicitor.
Am I Able To Make An Uninsured Driver Claim With The MIB?
You may be able to make an uninsured driver claim with the MIB if you can show that you were injured as a direct result of a negligent road user’s action. This means you need to prove the following:
- An uninsured driver owed you a duty of care
- They failed to meet this duty
- This caused you injuries
Even when someone is driving without insurance, they have a responsibility to act in a way that avoids causing injury to themselves and others. This duty of care also requires them to act in accordance with the Highway Code and the Road Traffic Act 1988.
Whether you are looking to make a claim as a pedestrian, car driver, or otherwise, our advisors can help. They can also answer simple questions with no strings attached, such as ‘How much compensation for an uninsured driver accident could I receive?’
What Is The Motor Insurance Bureau’s Uninsured Driver Agreement?
The Motor Insurance Bureau’s Uninsured Driver Agreement is the contract that sets the conditions in which the MIB can payout compensation to eligible victims of uninsured drivers. This agreement also establishes specific eligibility criteria, including that any injury or property damage must be the direct result of a driver’s negligent actions.
Contact an advisor today to learn more about this agreement. They can also answer any questions concerning how much compensation for an uninsured driver accident the MIB might payout to claimants.
What Is The Process For MIB Uninsured Driver Compensation Claims?
Providing evidence is a key part of the process for MIB uninsured driver compensation claims, as you will need to prove negligence on the part of another road user. This involves showing how their actions led to the accident and directly caused your injuries. Valid examples of evidence include a copy of your medical notes and CCTV footage of the incident.
You are also required to file your claim within the correct time limit. The Limitation Act 1980 states that you generally have 3 years from the date of the accident to start a compensation claim. However, there are instances where this window differs, which our guide to the limitation period explains in depth.
Speak with our advisors to further discuss time limits and the evidence that you will need to provide. They are also happy to show how one of the solicitors from our panel can help you gather evidence to build the strongest claim possible.
Can I Use A No Win No Fee Solicitor To Claim MIB Uninsured Driver Compensation?
If you have a valid case, you can use a No Win No Fee solicitor to claim MIB uninsured driver compensation. Our panel of solicitors, in particular, offer eligible claimants a Conditional Fee Agreement (CFA). This simply means that you can make an uninsured driver claim without paying a service fee for your solicitor’s work:
- Upfront
- While the claim is ongoing
- If you do not receive compensation
Should you be compensated, you will pay a success fee to your solicitor, taken as a percentage of the compensation. As there is a legally binding cap on the percentage, you’ll keep the largest share of the compensation.
Our panel of solicitors draw on their decades of combined experience to make the process of claiming for a road traffic accident easier for their clients. They do this by:
- Explaining what evidence would strengthen your case and how to access it
- Outlining key parts of the claims process in straightforward terms
- Corresponding with the MIB on your behalf and ensuring they have the information required
- Helping you to appeal the MIB’s decision if you disagree with it
Get In Touch With How Much Compensation
Speak to one of our advisors today to find out if you have valid grounds to make a claim. Whether you are looking to work with a solicitor from our panel or are seeking more general advice, they are there to help. Reach out today using one of the options below:
- Submit an online contact form
- Call 0800 408 7826
- Use the pop-up in the corner to chat live with an advisor
More Information
Read our other personal injury claims below for:
External resources:
- Learn about claiming Statutory Sick Pay (SSP)
- Read the government’s information on penalties for uninsured drivers
- Visit the MIB’s FAQs on uninsured driving
Thank you for reading this guide on how much compensation for an uninsured driver accident you might be able to claim for.
