Statistics show that in recent years there have been 160 fatalities and 23,000 injuries on Britain’s roads for which uninsured drivers are responsible.

Since 2011, just over two million warning letters have been issued by the Motor Insurers’ Bureau (MIB) to people who don’t have their vehicle recorded on the Motor Insurance Database. The owner of a Peugeot in Anglesey was recently the two millionth recipient of a warning letter under the Continuous Insurance Enforcement (CIE) scheme operated by MIB and DVLA.

I have been injured a car accident that wasn’t my fault. The other driver wasn’t insured, can I still claim?

The simple answer is yes!

The MIB is a non-profit making company that is funded by motor insurers and motorists via their insurance premiums.  The MIB is there to compensate victims of uninsured drivers.  So, if you have been injured by an uninsured driver, you can pursue a claim for compensation via the MIB.

What happens if all I got was the number-plate before they drove off?

If the driver did not stop at the scene of the accident but you managed to get the vehicle registration number, we can carry out a search of the Motor Insurance Database to find out if the driver was insured.

What you need to know about an MIB claim

  • You should report the accident to the police within 14 days (or as soon as possible after you realise the driver is not insured)
  • You must make your claim for injury within 3 years of the accident date
  • You must make an effort to keep your losses to a minimum e.g. by seeking appropriate medical treatment as soon as possible

What does an MIB claim include?

  • Your treatment and/or rehabilitation costs
  • Compensation for the pain and suffering your injuries have caused you
  • Compensation for any financial losses you incur as a result of your injury e.g. loss of earnings