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Claim Against Uninsured Drivers2023-01-10T11:30:10+00:00

Claim Against Uninsured Drivers

Claim Against Uninsured Drivers

Have you been involved in an accident with an uninsured driver in Northern Ireland? Let’s get you the compensation you deserve.

  • 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

Uninsured Driver Accidents in Northern Ireland

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 Driver Accident Injuries

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.

Who can make an uninsured driver accident claim?

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.

Motor Insurers’ Bureau (MIB)

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.

Uninsured Driver Accident Claim Process

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.

Time Limits for Claiming Against an Uninsured Driver

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.

Uninsured Driver Compensation – How Much Can I Claim?

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.

Why Choose Reid Black?

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.

Our Specialist Claim Against Uninsured Drivers Solicitor – Peter Lynch

Our Specialist Claim Against Uninsured Drivers Solicitor – Peter Lynch

Peter Lynch
Peter Lynch
30 YEARS EXPERIENCE
  • Peter Lynch of Reid Black Solicitors is one of Northern Ireland’s Leading Road Traffic Accident Experts.
  • He will act for you solely and does not accept referrals from insurers or Accident Management companies thus ensuring we have your interests first.
  • Have an initial no-cost chat about any Road Traffic Accident to see if you have a case.
  • He acts in Car Accidents, Cycling & Motorbike Accidents and Pedestrian Accident Claims.
  • Peter will be able to Fast track your claim to get you the compensation you deserve.

Our Specialist Claim Against Uninsured Drivers Solicitor – Libby Smyth

Our Specialist Claim Against Uninsured Drivers Solicitor – Libby Smyth

Libby Smyth
Libby Smyth
20 YEARS EXPERIENCE
  • Libby Smyth is one Northern Ireland’s leading Road Traffic Accident and Personal Injury Solicitors.
  • She will handle your Road Traffic Accident Claim effectively and efficiently, keeping your best interests as her prime concern.
  • Specialist in all types of personal injury claims, with a focus on Road Traffic Injury Claims.
  • Libby can expedite your injury claim to ensure you get your compensation as fast as possible.
  • If you’ve been injured as a result of a Road Traffic Accident, contact Libby today for free initial chat to see if you’re eligible for a claim.

Our Specialist Claim Against Uninsured Drivers Solicitor – Eilis McQuillan

Our Specialist Claim Against Uninsured Drivers Solicitor – Eilis McQuillan

Eilis McQuillan
Eilis McQuillan
14 YEARS EXPERIENCE
  • Elis McQuillan has extensive experience dealing with Road Traffic Accident Claims in Northern Ireland.
  • She will prioritise your interest’s first and act solely on your behalf.
  • Specialist in all types of Road Traffic Accident Claims and Litigation, including Car Accidents, Cycling Accidents and Motorbike Accidents.
  • Ellis can Fast Track your Road Traffic Accident Claim, so you get your compensation as soon as possible.
  • Contact Ellis today for a free initial consultation to determine if you’re entitled to a Road Traffic Accident Claim.

Frequently Asked Questions

Once all parties are safe and have received any medical attention required, if you can, gather as much information as possible at the scene. This might include photos, dashcam footage and the contact details of any eyewitnesses. If the accident involved your vehicle, you will also need to contact your insurer.

The first step is to contact your own insurance company. If you are fully insured, they should pay for the damage. If you don’t have comprehensive insurance we can pursue a claim through the MIB on your behalf.

You can carry out a Motor Insurance Database search to find out whether a driver is insured. Alternatively, we can carry out the search on your behalf. If police attend the scene, they might also confirm if the driver is uninsured.

Yes, driving without insurance is an offence punishable by up to six months’ imprisonment and a fine of up to £5,000. Aside from that, if the driver provides you with false information and subsequently cannot be traced you will need a crime reference number from police when pursuing your claim.

This varies depending on the circumstances of the claim and the amount of compensation involved. The MIB typically decides whether it agrees you’re eligible for compensation within three months. For lower-value claims this may be only six weeks.

It will then take an additional period of time to agree on a compensation figure. Larger payouts involving more serious injuries will usually take longer to finalise, but interim payouts can be made to ensure you don’t suffer financial difficulties while the claim is being concluded.

We resolve the vast majority of uninsured driver accident claims without the need to go to court. This would only be necessary if the MIB’s final compensation offer was lower than our expectations of the amount you should receive.

While no win no fee is popular in England and Wales, it is not allowed under the law in Northern Ireland. What we offer instead is a no fee initial consultation to discuss your claim.

We’ll take the strain of your uninsured driver claim

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.

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    To contact our team of specialists you can call us on: 028 9045 3449 Alternatively, you can get in touch by completing our contact form
    For Road Traffic Accident Enquiries Call…
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      William Campbell
      William Campbell
      16:37 13 Nov 19
      Great if you get stuck in a jam with the local police.
      Harry Walmsley
      Harry Walmsley
      14:51 22 Aug 19
      Brilliant solicitor. Thank you.
      Andrew Aicken
      Andrew Aicken
      08:51 20 Apr 18
      Great service from a professional company. Eilis McQuillan handled a case for me and was outstanding. I was kept informed at every stage and would recommend Reid Black without hesitation.
      Victoria J
      Victoria J
      10:12 18 May 18
      I would highly recommend this company and I have used them a few times . Absolutely Fantastic company .
      Alan Cromie
      Alan Cromie
      14:54 08 Nov 15
      I approached Reid Black Solicitors having known Hamill Clawson for many years as a good dependable lawyer and having been badly let down and grossly overcharged by another solicitor. He referred me to his colleague, David French who was very approachable and went out of his way to help resolve matters equitably in a timely and stress free manner.As a busy professional, this invaluable advice from Hamill and, especially his partner David was greatly appreciated. I am impressed by the high standard of service offered by this Firm and would recommended their services without caveat.read more
      Stephen Lavery
      Stephen Lavery
      09:12 21 Feb 20
      1st class service. Case was resolved quickly, handled with sensitivity and professionalism. Couldn’t recommend Eilis highly enough. Very happy.
      David Hogg
      David Hogg
      12:07 09 Mar 20
      Very helpful....quick results...
      Conor Mccomish
      Conor Mccomish
      21:47 25 Jul 20
      David helped me get a licence reinstated with the council. Very fast, efficient and professional service. I would highly recommend this company.
      mike naylor
      mike naylor
      09:41 06 Sep 20
      Great business
      Seema King
      Seema King
      17:07 30 Sep 20
      Highly recommend Reid Black Solicitors. David French handled my case and guided me step by step. Very fast and professional. Made my whole experience stress free. Couldn't be more thankful. 🙂
      Jonathan Loughlin
      Jonathan Loughlin
      16:52 29 Nov 20
      Highly experienced staff have helped me massively and would recommend them to anyone 10☆☆☆☆☆☆☆☆☆☆
      Shaun Leese
      Shaun Leese
      13:18 31 Mar 21
      Worked with Karen Cox on house purchase. Fantastic service!
      Adrian Bodle
      Adrian Bodle
      14:57 23 Jul 21
      I would highly recommend Reid Black Solicitors. my experience was totally stress free and easy from the start. David handled my case in a professional manner, notifying me every step of the way. Thank you for all your hard work. A1read more
      James Cullen
      James Cullen
      14:53 23 Jul 21
      Had the best service from all at Reid black from David and Karen who dealt with my claim, all in all a great service I would highly recommend this Company to anybody wanting a professional service, thankyou to everyone at your office. odyread more
      TONIK TZW (tonik_tzw)
      TONIK TZW (tonik_tzw)
      14:17 29 Jul 21
      Reid and Black were absolutely outstanding and extremely professional in their handling of my case, They were well organised, timely and informative in their updates as the case progressed. The outcome was even better than anticipated which can only be due to the excellent knowledge, tenacity and determination in seeking a satisfactory outcome. I would highly recommend their services to anyone.read more
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      17:09 08 Dec 21
      Karen was wonderful and took fantastic card of us as first time buyers. Excellent service all round, thank you so much!
      David Raeburn
      David Raeburn
      11:48 10 Feb 22
      I would like to thank Reid Black solicitors for the outstanding work you have done for all the veterans who have mostly suffered in silence and would never have thought to start any sort of compensation claim against the MOD,also to find out that your firm does not take a penny from the veteran's settlement just shows the amazing integrity of Reid Black.read more
      Luke Tedford
      Luke Tedford
      12:26 31 Mar 22
      Just want to start off by Thanking Eilis for helping me through everything. I arrived in with very little expectations to get anywhere and I came out with exactly what I wanted, all thanks to the hard work and dedication of Eilis. When I first met Eilis she gave me the warmest reception and was fully understanding and complient with what I wanted. The best solicitors in Belfast hands down! would very highly recommend to anyone!read more
      Jude Campbell
      Jude Campbell
      13:18 11 May 22
      We would like to thank Reid Black Solicitors and specifically David French for helping us in a recent professional negligence case. His professionalism was a breath of fresh air and the positive outcome we received has been a weight off our shoulders, we would highly recommend David and his team.read more
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      CJ MCKIMM
      11:13 05 Jun 22
      A big thanks to David and the team for sorting out my hearing loss claim. Very professional, polite and efficient throughout.
      Leonidasz Rafael
      Leonidasz Rafael
      14:29 25 Jun 22
      at this location The staff is very kind quick helpful hilarious Mr Hamill very professional defense attorney I recommend to everyone protection and tranquility are highly guaranteed always provides the best and fastest help if you are looking for the best defense attorney Mr Hamill 💯💯read more
      James Tate
      James Tate
      22:28 26 Aug 22
      Excellent attraction staff super.
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