Personal injury claims in Ystalyfera can still be made if you find you were in a road traffic accident, and the other driver was not insured.
It is a legal requirement that anyone in a motor vehicle has insurance before going on the public highways in the UK, third party cover being the most basic of these.
The third party is some one else involved in an accident, and if you were to blame, this insurance will pay for any damage to their car, and any personal injury claims in Ystalyfera they make against you. It is the cheapest of all motor policies, and quite often is the only one that young drivers can afford.
The next step up is third party, fire and theft and the top level is fully comprehensive insurance. The latter gives cover to you and any other drivers if you were at fault for any accident, and within these policies there are extra choices to be made. You can have no excess at all on them, or a large excess to keep the premiums lower.
You can protect your no-claims bonus, which would usually allow up to two accidents a year with no effect on your premiums, or you can choose not to protect it, in which case it would be lost if you made a claim.
Personal injury claims against uninsured drivers
There can be many reasons why a driver has no insurance, and there are times when the driver is unaware that their insurance in invalid. The sorts of things reasons why drivers have no insurance are:
- They are a banned driver and should not be on the roads
- Their road tax is out of date, this can invalidate the insurance policy
- Their MOT is out of date, this can invalidate the insurance policy
- They have not bothered to renew their insurance
- They have stolen the vehicle
Drivers with no insurance are why the Motor Insurers Bureau (MIB) exists, to make sure that innocent victims do not lose out on their compensation because of a lack of insurance.
All the insurance companies that offer motor insurance fund the MIB. They pay a levy each year based on the amount of motor insurance business turnover, and this levy is used to pay drivers inured in accidents where the other driver turned out to be uninsured.
They also collect data about every motor insurance policy and this is fed into one large database, which holds the details of every insured vehicle in the UK.
Making your personal injury claims in Ystalyfera through Accident Advice Helpline
If you have been injured in a road traffic accident that was not your fault, we at Accident Advice Helpline can help you claim your compensation.
If you want to know if you are eligible to claim compensation, either complete the 30-second test on our website, or call our freephone helpline on 0800 689 0500. Why not call this freephone number now and find out how we can help you with your potential claim?
Date Published: 11th August 2014