It’s estimated that there are between 1.5 million and 2 million uninsured drivers on the roads in the UK. What happens if one of these drivers causes or contributes to an accident?

The ‘Motor Insurance Bureau‘ (MIB) exists to prevent the injustice of an injured party being unable to claim compensation if they’re the victim of an uninsured drivers negligence.  The MIB steps in where the driver responsible for the accident has no valid insurance policy to cover the cost of the accident.  The role of the MIB is almost to act as the insurance company for the uninsured driver.

The cost of running the MIB is paid out of a central fund from contributions from all the insurance companies that provide motor vehicle insurance in the UK.
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If you have been injured in an accident that was not your fault, you may be wondering what you should do and whether you have a claim for compensation for the injuries you are suffering with, and the potential losses you have incurred.

I’m here to hopefully shed a little light for you and remove the veil of confusion that you may be lost behind!

Do You Have a Claim for Compensation?

If you have been injured in an accident, or if you have been injured through some long term activity at your employment, and the injuries were not only caused by the fault of someone else / a company, but they could have prevented it from happening, then you have the first solid ingredients to be able to make a successful claim for compensation.
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We spend a large proportion of our lives at work – so it comes as no surprise that a high number of personal injury claims result from accidents that happen when people are at work.

Your employer has a legal duty to look after you. An old case decided in 1937 between a mineworker called Mr English and his employers, Wilsons & Clyde Coal Company, set out the extent of this duty.
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Dog bites against humans are rising in the UK. A 2008 NHS report showed that dog bites had increased by 40% in just 4 years to nearly 3,800 cases. There is much talk about certain breeds being more dangerous than others, but that aside there are many things that can trigger a dog attack. 77% of dog bites occur with friends or family pets, and 50% of these occur in the owner’s home. These are remarkable statistics!

One of the more disturbing facts is that dog bites are not uncommon against children. This fits in with the pack mentality that dogs still inhibit. They want to climb the hierarchy within the pack and will often seek dominance over weaker or vulnerable people.
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Slips and trips happen to everyone – depending on the circumstances, you may be entitled to compensation. When they occur in the supermarket they can be trickier to claim for – after all, the other side will do everything possible to prevent having to pay out for your compensation. The supermarket needs to demonstrate that it did everything that is reasonably expected to prevent the injury in order to defend a claim. So, to you and me, that means that they have to prove that they took steps to look after customer’s safety – e.g. checking aisles for spillages on a regular basis, or only stacking products safely with proper procedures and training in place for staff.

Most victims of slips or trips claims in supermarkets believe that the store should have done more to prevent it happening. But ultimately, in a court of law, the supermarket is not obliged to go over and above expectations to prevent a slip accident. In terms of the business it would cost them too much to have someone watching all the aisles all of the time. However, they are required to carry out routine checks and use warning signs when a hazard is identified. One example you might see often is the wet floor signs on the premises. In many premises they will also have signs up for staff to fill in after routine checks – these are usually most visible in toilets but they will have the same checklist for the store as well.
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All personal injury claims have two things in common. Firstly, someone has suffered either a physical or mental injury; and secondly, the injury was someone else’s fault.

Under the broad heading of personal injuries, there are many different particular types of personal injury claims.

The most common claims are for injuries caused by road traffic accidents.  The victims of road accidents may suffer injuries ranging from mild whiplash through to severe life threatening injuries, and all too commonly, fatalities. People injured by another road user will claim compensation against the other person’s insurance company, or the Motor Insurance Bureau that can step in to provide compensation to the victims of uninsured or untraced drivers.
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As a team of lawyers who pride ourselves on the service and the care we provide to our clients, we are always keen to see how our clients review our performance once we have settled their claims for compensation.

The point of this article is to let you know a little more about our service, which is why we often get the fantastic reviews that we do. Click here to take a look at what our clients think of our service. You will no doubt find that the vast majority of our clients are highly satisfied with the service we provide, which is reflected in the testimonials they write about our service.
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A common question for us at The Injury Lawyers relates to the process for children bringing claims for compensation.  What can you do if your child has been injured in an accident? How can your child make a claim for compensation? After all, they may be 3 years old and would obviously be unable to make a claim themselves!  If it was you who had been injured, then you would be able to give an injury lawyer a call and get the ball rolling on your potential claim for compensation.  However, if it is your child that has been injured, they can still make a claim for compensation – they just need a litigation friend to represent them.

What is a litigation friend?

A litigation friend is a responsible adult, most likely to be a child’s parent or guardian, but could at the same time be a family friend or care worker, or any other trustworthy adult with the child’s best interests at heart, who will act for and on behalf of the injured child.
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If you have been injured in a road traffic accident which was not your fault, it is probably the last thing on your mind to think about making a claim for compensation.  At The Injury Lawyers, we totally understand this.  In all likelihood your car might need some serious repairs, or could have been written off, and you are not sure how you are going to get around without a car.  Even worse, you will no doubt be shaken up from your accident, and your injuries may be particularly serious, and all you want is to just get better.  That said, you may later want to make a claim for compensation, and, as long as you bring this claim for compensation within three years of the date of your accident, that is not a problem.
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Whiplash is the term used to describe a range of injuries to the neck that are usually caused by a very sudden movement of the head, forwards, backwards or sideways.

A whiplash injury is very common after car accidents involving a sudden impact; even those where the speed involved was quite slow. However, whiplash can also occur in other types of accidents such as sporting activities or trips and falls.

The symptoms of whiplash can be varied and may include tenderness and swelling in the neck, headaches, shooting pains from the neck and down your arms, difficulty moving your neck around, or even just pins and needles.
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