Uninsured driver claims services

Penningtons Manches Cooper’s specialist personal injury team has extensive experience supporting clients with uninsured driver claims against the MIB. If you’ve been involved in a road traffic accident caused by a motorist without valid insurance, or a hit and run driver, you may still be entitled to claim compensation – even if the driver responsible is uninsured.

Expert solicitors for uninsured driver claims

With an estimated one in ten drivers operating without valid car insurance and nearly one million uninsured drivers under the age of 30, accidents involving uninsured or untraced drivers are increasingly common. Although driving uninsured is illegal under the Road Traffic Act, the criminal penalties – vehicle seizure, fines, points and prosecution – do little to help victims recover. Even when the police catch uninsured drivers, many victims are left facing serious injuries and financial loss.

Some people assume that if the other driver has no insurance cover, or if they flee the scene, no personal injury claim can be made. However, claims can be brought through the Motor Insurers’ Bureau (MIB), a government-backed body funded by the insurance industry. All UK motor insurers contribute to the MIB, which exists to pay compensation to victims of road traffic accidents involving uninsured or untraced drivers. The MIB’s Navigate service, formerly known as Motor Insurance Database, plays a role in identifying whether an active car insurance policy exists.

Penningtons Manches Cooper can assist you in claiming against an uninsured driver, provided the accident meets specific criteria. The MIB offers schemes for both uninsured and untraced driver claims. Our lawyers regularly handle these claims and understand the technical steps involved, including how to make a claim and secure interim payments where necessary.

A claim involving the MIB is often similar to dealing with an insurance company in terms of valuing the case. However, additional procedural rules and paperwork apply. We’ll guide you through the entire process, from confirming the lack of third-party insurance or comprehensive insurance to ensuring your own rights are protected at each step.

The team were very knowledgeable and kept me updated. The customer service skills were excellent.

We also assist with vehicle registration issues, confirming insurance details, and pursuing damages for personal injury, loss of earnings, and medical costs. Our goal is to help clients understand how much compensation they may be eligible for and to pursue their claim confidently, with clear guidance on potential legal fees.

If you have been injured in a car accident and need to make a claim against an uninsured driver, contact Penningtons Manches Cooper. We offer initial no-obligation advice and will explain your options for claiming compensation through the MIB.

How we help our clients

Advising on eligibility to claim against uninsured or untraceable drivers

Submitting uninsured driver accident claims to the Motor Insurers’ Bureau

Handling personal injury claims involving serious injury or long-term impact

Managing hit and run claims under the MIB untraced driver scheme

Guiding clients through procedural rules unique to MIB claims

Calculating compensation for pain, suffering and financial losses

Submitting claims within the relevant time limits

Representing clients throughout the claims process and any required proceedings

Negotiating settlement of substantial claims against the MIB

Useful resources

Funding a personal injury claim

Making a personal injury claim

Those representing me showed a strong awareness of my injury and the effects on my life, which was reflected in the way they conducted my case.

The team are prompt and clear with their knowledge, and explain things easily and in a way that demonstrates deep understanding of the processes involved.

Leading practice, well known for its expertise in catastrophic injury cases, particularly matters arising from RTAs. Handles a range of claims pertaining to fatal accidents, head and spinal injuries and amputations.

The team offers a high level of expertise and client-focused guidance. From the beginning, contact and engagement has been professional, caring and comprehensive.

The whole team is superb and works well together. The level of expertise is excellent.

Recent work highlights

Serious hit and run road traffic accident

Settling a claim against the Motor Insurers’ Bureau for a cyclist who was badly injured when he was struck by a hit and run car driver while riding around Clapham Common.

Motorcyclist claim after below knee amputation

Obtaining substantial compensation from the Motor Insurers’ Bureau for a motorcyclist who had his leg amputated below the knee after being hit by a car that was driven through a red traffic light.

Settlement of brain injury claim following collision

Acting on a substantial claim against the Motor Insurers’ Bureau for a driver who was hit head on by a vehicle whose driver then fled the scene but was later located by the police.

Damages for pedestrian hit by joyriders

Representing a woman who was walking home after a night out when a car driven by joyriders mounted the pavement and hit her. The car was stolen and its occupants fled the scene but our team was able to secure compensation via the Motor Insurers’ Bureau.

Cyclist knocked down by loose cargo

Obtaining damages for a cyclist who was injured by an uninsured driver when he was hit by a wooden bed base that had not been properly secured to the defendant’s vehicle. This fell off and knocked our claimant down.

Case studies

Penningtons Manches Cooper’s personal injury team has recently settled a claim on behalf of a passenger injured in a road traffic accident. The driver had recently purchased the car without obtaining valid insurance cover.

Penningtons Manches Cooper’s personal injury team has secured damages for a cyclist who was injured by an uninsured driver. Investigations revealed that the driver’s policy had expired eight weeks before the accident.

We recently obtained £500,000 in compensation for a female client who was seriously injured in a road traffic accident. She suffered complicated orthopaedic and psychological damage, including injuries to her spine.

We have settled a claim for a cyclist who was badly injured when he was hit by a car while riding around Clapham Common in London. The motorist hit our client from behind before driving over him and away from the scene.

The personal injury team at Penningtons Manches Cooper has recently negotiated the settlement of a claim for a client in his fifties who suffered a below knee amputation as a result of a road traffic accident.