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This area covers road traffic accidents where the at-fault driver is uninsured or the insurance position is uncertain. A solicitor helps someone who has been hurt in a crash pursue compensation where the at-fault vehicle lacks motor insurance and, in England, where the other driver cannot be traced or is unidentifiable. The work involves advising on whether the claim can be pursued through the Motor Insurers' Bureau (MIB), gathering medical evidence, reporting to the police if necessary, and pursuing a claim for damages for injuries, loss of earnings, and expenses in the appropriate court or via the MIB route. It may also involve liaising with insurers, obtaining witness statements, and ensuring funding and timing requirements are met through the relevant scheme rules.
The key protections come from pursuing a claim despite the lack of a direct insurer, with the MIB providing compensation in many uninsured motor cases. A solicitor ensures that deadlines are met, evidence is properly presented, and the claim aligns with the statutory schemes governing uninsured drivers, while safeguarding the client’s position against any counterclaims or delays that could affect compensation.
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