If you are injured in North Lanarkshire road traffic accidents that were not your fault, one of the first things you do is to get the details of the other driver.
In the majority of cases, this will not be a problem, and the insurance company of the other driver is who will settle your personal injury claim. Sometimes, the other driver is uninsured for some reason, and there are times when they will be as surprised as you that there insurance is invalid.
The reason for a lack of insurance after North Lanarkshire road traffic accidents
There are several reasons why the other driver could be uninsured, just some of them being:
- An expired MOT will invalidate the insurance
- It could be a banned driver
- The driver could have forgotten to renew their insurance
- It could be a stolen vehicle
- Some insurances are made null and void if the driver commits a driving offence that they can be prosecuted for
- Hit and run accidents where you do not know who the other driver was
It is illegal to be in charge of any motorised vehicle on UK roads without at least having third party insurance. This type of insurance is the very basic of all policies and covers just the other party in the event of an accident that you have caused. It would not pay for any damage to your car or any compensation to anyone other than the innocent victim.
There are other insurances available that give much more cover, it depends what you are prepared to pay for. As part of every premium, not just motor insurance, we are paying for the event of personal injury claims being made against us. You would readily put in a claim for the damage to your car, and you should do the same for the damage to yourself, you have paid for it after all.
The Motor Insurers Bureau (MIB) and North Lanarkshire road traffic accidents
The MIB exist to make sure that innocent victims do not lose out on their compensation because of a lack of insurance. Any insurance company that offers motor insurance has to be a member of the MIB and pay a levy each year based on the turnover of their motor insurance business. This levy is used to settle the compensation claims.
Making road traffic accident claims with Accident Advice Helpline
Making North Lanarkshire road traffic accident claims with Accident Advice Helpline could not be easier. Just call our Freephone helpline number 0800 689 0500 or 0333 500 0993 from a mobile phone, or complete one of our online options if you want to know more about making a personal injury claim.
Date Published: 26th August 2014