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What happens if I’m in an accident with an uninsured driver?

It can happen to anyone, at any time. Unfortunately, road traffic accidents are part and parcel of modern day-to-day life. When it happens, first and foremost the concern is for the health and well-being of all involved, and if everybody walks away without having suffered life-threatening injuries, we thank our lucky stars.

For some drivers though, that is where their luck ends, and a potential nightmare begins, as they discover the other driver was uninsured, or perhaps driving a stolen vehicle, and the details given to them, if provided at all, turn out to be false.

Every week, about 2,000 vehicles are seized because owners can’t provide proof of insurance, while 15,000 letters are sent out to those suspected of keeping an uninsured vehicle.

It means the chances of being involved in an accident with an uninsured driver are on the up, and as anyone who has found themselves in this situation will know, it brings an extra mountain of concern and worry as to how the matter will be resolved.

As specialists in handling claims against uninsured motorists, we at Neil Hudgell Solicitors deal with many such situations, and it is in these circumstances that our expertise in working with the Motor Insurance Bureau (MIB) plays a key role.

Following an accident, it is at an insurance company’s discretion as to whether they will deal with a claim if the other vehicle involved has been stolen, or was being driven by someone who is uninsured.

It is obviously a cause for concern, and can leave a law-abiding motorist fearing the worst.

All is not lost, however, if the insurance company will not pay out, or there isn’t a policy in place, as a claim can still be made.

Our team of specialist lawyers have the knowledge and experience to pursue the case on a driver’s behalf through the MIB, helping to ease the stress of the situation, and hopefully secure compensation on a no win, no fee basis.

With the recent change of season, the falling temperatures and the nights drawing in quickly, we all need to play our part in ensuring the roads are as safe as can be, adapting the way we drive to suit the conditions.

For the Government’s part, it has to continue working to tackle the problem of uninsured drivers, and it will therefore be interesting to see how the recently introduced automated tax system will play its part.

The Driver and Vehicle Licensing Agency (DVLA) will now be making regular checks of number plates through cameras, and although this move is to be welcomed, the problem is not one likely to disappear overnight.

It will continue to be a reason for law-abiding drivers across the country facing rising insurance premiums, and those flouting the law will continue to be a threat on the roads.

The best advice is to take care when you drive, and ensure you are being driven by the right legal team should you be involved in an accident with an uninsured driver.

What Our Clients Say

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"Anthony and his team at Hudgell…"

Anthony and his team at Hudgell solicitors are extremely professional and caring People. From the first phone conversation right through to completion i was always kept updated, if i had any concerns and contacted them, they were always happy to listen and put my mind at rest. I would highly…

Mrs lisa martinJanuary 21, 2020

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"Excellent service"

Great service . Made me feel at ease . Proffesional and very quick to respond to any questions or concerns I would highly reccomend

LesleyJanuary 21, 2020

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"Excellent service"

Excellent service

JensonJanuary 21, 2020

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"Excellent service"

Excellent service, Alex Garven was most helpful in dealing with my claim. Many thanks for his hard work in getting a result for me,. It took quite a while but during that time I received regular progress updates and a quick response if I had any queries .

Jill ElliottJanuary 15, 2020

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"Lauren Dale"

Lauren Dale was so sensitive when dealing with my mums claim and she totally understood what i really wanted from the outcome. she kept me fully informed of everything, as and when it happened. I cannot thank her enough for her help and understanding on such a sensitive case. 5…

Jane from North YorkshieJanuary 11, 2020

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"Excellent Service"

Excellent, professional and friendly solicitors. It was a very simple process and they kept in constant contact to update me on any developments. Would definitely recommend.

Philippa January 09, 2020

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"Could not have been simpler or easier"

Could not have been simpler or easier, they did everything required and more. Nice, pleasant to talk to, they do all the leg work, put everything into context and resolve as quick as possible. Hopefully will not have to use again but if a situation arises then would not hesitate…

DarrenJanuary 08, 2020

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"Very helpful and always kept in touch…"

Very helpful and always kept in touch via email through the while process. Highly recommended

Joseph Conrad Waudby January 07, 2020

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"Brilliant customer service"

Brilliant customer service, always will contact you as they say they will. Have been very helpful with my case and explained the process thoroughly, very easy to understand. Would definitely recommend.

Julia MatildaJanuary 07, 2020

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"Verry happy with the result they got…"

Verry happy with the result they got for my claim very officiant and professional my particular solicitor was the most friendly official type person that I have dealt with before really happy with the freindly kind manner in which they dealt with myself and my claim I would recommend them…

Richard RobertsJanuary 07, 2020

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"Very impressed with the fast turn…"

Very impressed with the fast turn around of Hudgell. Very responsive and friendly too.

CustomerJanuary 03, 2020

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"Wonderful service"

Wonderful service, was kept up to date regularly and once they received an offer to settle my case, they advised that they could get a better offer and did just that, will definitely pick up the phone again if I ever require their services in future.

Jordan HowarthJanuary 03, 2020

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"These solicitors were very helpful and…"

These solicitors were very helpful and I was surprised when they told me that they were pursuing a totally different avenue to the one I thought was available. They were very efficient, constantly in communication with myself and were direct with the opposite party. Needless to say, they won my…

GARY COSGROVEJanuary 03, 2020

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"Take a leaf out of there book"

I would certainly recommend Was kept up to date via email promptly each time I asked a question Postal and email correspondence was fluent and my claim settled in a timely manner Many thanks to Alex and his hard work

Mandy Michelle WainwrightJanuary 03, 2020

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"Couldn’t of chose a better solicitors…"

Couldn’t of chose a better solicitors to go through my claim with, Sarah informed me every step of the way (even when they was nothing to update me with) was such a quick process and she couldn’t of been more helpful ! 5*

Courtney FriendJanuary 03, 2020

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"karl griffin fantastic man"

karl griffin was fantastic extremely helpful and fought every step of the way for me he was always there whenever i needed him i highly recommend hudgell solicitors to anyone who needs there help they made a horrible situation dissappear

Jeni DaleJanuary 03, 2020

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"Alex is amazing"

Alex is amazing! He took over my claim and everything changed from negative to positive. Case still ongoing but fantastic service so far from Alex. Great communication - answering calls and emails. Spot on in everything. I am very glad he is handling my case now and I am confident…

Seth OppongDecember 27, 2019

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"Highly recommended"

Excellent service and communication from start to finish. The whole process of handling my personal injury claim was dealt with quickly and courteously.

MikeNovember 26, 2019

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"Becci was amazing"

Becci was amazing, she was so friendly and helpful and couldn’t have done a better job at helping me with my claim. Very happy.

Katherine JanineNovember 08, 2019