• Supporting victims of uninsured drivers since 1993
• Solicitors specialising in road traffic accident claims
• Simple claims process — we handle everything
• Affordable and independent legal advice
• Free consultation to discuss your claim

We know that being hit by an uninsured driver is an awful experience. In addition to the physical and psychological injuries that can be caused in any road traffic incident, you suffer additional hardship because the other driver wasn’t abiding by the laws the rest of us follow.

Almost 7,000 uninsured drivers were stopped by the PSNI in 2021 and many more will have gone undetected. That means collisions involving uninsured drivers and stolen vehicles are all too common on our roads. Fortunately, even if you’re involved in a collision in which the other driver didn’t have insurance, you can still claim the compensation you deserve.

Uninsured drivers inflict a wide variety of injuries as a result of their actions. Common injuries caused by uninsured drivers include:

• Slight injuries such as whiplash, minor cuts, bruises and shock.
• Less serious injuries, such as minor head injuries, fractured arms, legs or collarbone, and deep cuts.
• Moderately serious injuries such as thigh and pelvis fractures, chest injuries and deeply penetrating wounds.
• Very serious injuries such as severe head or chest injuries, broken neck or spine, and internal injuries.

In the most serious cases, a fatal uninsured driver accident may result in the loss of life.

Anyone who was injured by an uninsured driver or a stolen vehicle is eligible to make an uninsured driver accident claim. This includes drivers, passengers, pedestrians, cyclists and motorcyclists.

You can also claim on behalf of a loved one who was involved in an uninsured driver accident but is unable to make their own claim.

Notable exceptions to these criteria are passengers injured while travelling in a vehicle that they know is stolen or with a driver they know is not insured. A claim cannot be made in these circumstances.

Uninsured driver accident claims are brought against the Motor Insurers’ Bureau (MIB). This is a not-for-profit organisation funded by the insurance industry to ensure the victims of uninsured drivers are compensated for their injuries.

The MIB’s Uninsured Drivers Scheme pays compensation to those involved in accidents involving uninsured drivers through no fault of their own. You claim from the MIB in the same way you would a specific insurance company in other road traffic accident claims.

By the time you start an uninsured driver accident claim, you have already been through a lot. That’s why we’ve designed our claim process to be as easy as possible. We take all of the burden from you and handle every step of the process. Here’s how it works.

Step 1: Contact Reid Black
Get in touch with our personal injury solicitors to arrange a no-obligation consultation and offer initial free legal advice on how to start a claim.

Step 2: Gathering Information
We will gather any evidence to support your claim. This might include medical notes, police reports and eyewitness accounts.

Step 3: Medical Assessment
We’ll then arrange for you to have a medical assessment so we can make sure the full extent of your injuries is known when we make your claim.

Step 4: Compensation Negotiations
Next, we will submit your claim to the MIB and negotiate the maximum amount of compensation to which you’re entitled.

Step 5: Compensation Payout
Once the MIB has accepted your claim, we will continue to liaise with them and communicate on your behalf until the payout is finalised and safely in your account.

You usually have three years after an accident involving an uninsured driver in which to make a claim. This varies slightly depending on your age at the time of the accident:

• If you were aged 18 or over you must claim within three years of the date of the accident
• If you were aged under 18 at the time of the accident, you need to claim before your 21st birthday

Exceptions to these rules may be granted if you can show that you were unable to claim within three years. For example, your injuries might have prevented you from claiming until a later date.

The good news is that you’re entitled to the same level of compensation as if you had been involved in any other road traffic accident.

Payouts from the MIB are in line with those made by insurance companies — and we will guide you to ensure that is the case. The ultimate amount you can claim will depend on the seriousness of the injuries you sustained and the type of damages you’re claiming.

General Damages
This is compensation for the physical and psychological injuries caused by the uninsured driver.

Special Damages
This is compensation for out-of-pocket expenses you suffered as a result of the uninsured driver, such as replacing damaged property, medical expenses and travel costs.

We’ve been helping people with uninsured driver accident claims since 1993. Our solicitors are recognised experts in road traffic accident claims and will use their experience to get you the maximum compensation to which you’re entitled via a smooth, stress-free claim process.

Frequently Asked Questions

If you’ve been involved in an accident with an uninsured driver, contact us today for free initial legal advice on how to make a claim. Our solicitors will work tirelessly on your behalf to secure the compensation payout you deserve.