Will my insurers pay out if I am hit by an uninsured driver?

Will my insurers pay out if I am hit by an uninsured driver?

If you have sustained a whiplash injury in a car accident and you later find out that the driver responsible for the collision had no insurance, you may be concerned about whether you can still make a claim and whether your insurance company will pay you any compensation. This article seeks to address this issue and aims to put your mind at rest that all is not lost if you are unfortunate enough to have been involved in a collision with an uninsured driver.

It is incorrect to say that if a driver has no insurance you are not able to make a claim. Fortunately, there is an organisation called the ‘Motor Insurers Bureau’ which was set up specifically to help victims of uninsured and untraced drivers. The Motor Insurers Bureau is funded by all UK motor insurance companies who are only allowed to operate if they belong to the scheme and contribute financially.

Being involved in a collision with a uninsured driver should not affect the value of your claim, or indeed the steps taken to achieve a settlement, it just may take a bit longer than if you were dealing with an insured driver.

You will still be medically examined to ascertain the extent of your injuries and your solicitor will arrange for a report to be prepared by an independent medical expert detailing your injuries. Your solicitor will also ask you for details of all of your losses and expenses which have been incurred as a result of the accident – such as loss of earnings, loss of overtime, travelling expenses (i.e. to medical appointments), parking fees and prescription charges.

Your solicitor will then compare your injuries to those of Claimants in previously settled cases who have suffered similar injuries to your own and who have taken a similar amount of time to recover. Your solicitor will also use a book called the Judicial Stuides Board Guidelines to assess the value of your injury claim.

Your solicitor will then present the medical report and details of your out of pocket expenses to the Motor Insurers Bureau and will invite them to make an offer in settlement of your claim.

Therefore, do not think that just because the driver responsible for the accident (and for your injuries) was uninsured you are not able to make a claim. It is still perfectly possible to do so although the process may not be quite as straightforward as dealing with a driver who has insurance.

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Why You Must Act Now!

If you have suffered an injury please contact us immediately. Failure to do so could cause your claim to fail or significantly reduce the chances of success for two reasons:

  1. The longer the period you leave before taking action, the less the chance of the success of your claim. This is due to the evidence required to connect the chain of events to prove that your injury was caused by the accident in question.

  2. Our Loyalty Law specialists can only look after a set number of people who have been injured. This is because they aim to provide the highest standards of service and can only do this if they limit the number of people that they help. To give you the best chance of being helped by one of our solicitors get in touch with us immediately or we may not be able to help you.

Delay really can be fatal to your chances of success, so please contact us now and let us take care of you and your claim.

Call us free now on 0800 142 2775 (or local rate: 01275 75 00 44) for your free and instant claim assessment, or complete our Instant Claim Assessment online.

What Happens Next?

You will be contacted by one of our specialist whiplash claim solicitors. They will explain whether they are able to help you with your whiplash claim. If they can, they will then take care of everything else for you. Being specialists, they know that you have already had enough stress following your accident, so they will make the whole process as simple as possible for you from that moment onwards.

This will include completing paperwork for you, arranging free replacement car hire and medical treatment, and generally taking really good care of you.


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  1. Call us free on 0800 142 2775 (or local rate: 01275 75 00 44) between the hours of 8am to 8pm Monday to Friday, 8am to 6pm on Saturday and 8am to 5.30pm on Sunday; or
  2. Provide us with some details and one of our Loyalty Law solicitors will be in touch with you – make a Quick Enquiry now.


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