If you have been involved in a road traffic accident, and it was not your fault, or even if you consider that you are only a small part to blame, it is likely that you may be able to make a claim for compensation if you have suffered an injury.As all drivers in the United Kingdom are required to have motor insurance by law, in almost every case where you are entitled to compensation, this compensation will be provided by the negligent party’s insurers. 

So – What happens if the other side does not have insurance? Does this mean that you are left uncompensated? You are aware that if they had insurance then you would receive compensation; but it would seem because they have no insurance, that you have no where to get your compensation from.  Do not worry – It would be entirely unjust if you were to be denied compensation because the other side did not have insurance. It would be like letting them off the hook, which is something that cannot be encouraged in any instance.  This is why the Motor Insurers’ Bureau (MIB) was set up – to help compensation the victims of uninsured and untraced drivers.

The MIB was set up back in 1949, and through funding received from people’s insurance premiums (roughly £15-30 of your insurance premium goes to the MIB each year), they have been able to settle over 50,000 claims each year.  So, if you have been injured at the hands of a negligent third party driver, how do you go about making your claim for compensation?  Well, your first step should be to get in touch with a quality injury lawyer with years of experience specifically in dealing with road traffic accident claims.  They will be able to take you through the whole process – no problem at all.
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Want to know the secret on how to guarantee a maximum compensation payout in the shortest possible time? There’s only one way:

With a Fully Qualified Expert Personal Injury Lawyer representing you for your Claim for Compensation!

You of course need a lawyer to make a proper claim for personal injury. The reason being is that only an expert injury lawyer is qualified to assess your medical evidence and provide you with proper advice as to the value of your claim. The reason the solicitor needs to be YOUR solicitor is so you can sleep safe at night knowing they are actually on your side, with your best interests at heart.
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If you’ve seen any of my recent articles about whiplash, you may already know what I’m about to say.

I’ve been advising people about whiplash claims for a long time now, and signing them up to our unique Genuine No Win No Fee agreement that guarantees in black and white there are no costs for losing, and 100% compensation for winning –we cannot charge you for a successful claim!

But now, thanks to my local bus service, I can truly sympathise with all you whiplash victims out there – almost three weeks on from my bus incident, my whiplash is continuing on. The pain now is mainly in my back – it seems to ache and hurt in different places depending on whether I’m walking around, sat at my desk, or driving my car. I saw my doctor yesterday, whom checked me out, confirmed the injury, and gave me some exercises to do, and advised me to take anti-inflammatory / rheumatic pain killers on a regular basis.
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If you are reading this blog, then you may be in the later stages of your whiplash claim. This means that you have had liability admitted on your claim, and you have completed your medical examination and have to hand your medical report. So, you may now be thinking about instructing your solicitor to settle your claim and considering when you will receive your compensation.

Firstly, consider the below options:

Should I settle my claim before I have made a full recovery?
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This is an age old question – it’s something I get asked a lot by our new clients. Unfortunately, it’s a little bit more difficult to answer than you might think.

However – with my advice below, you stand a chance at making sure you always get the maximum you are entitled to claim for.

How is it worked out?
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It is a sad fact that due to the increase of traffic on the roads and the increased awareness of personal injury claiming, road traffic accident claims are on the increase.  This is one of the reasons that the Ministry of Justice has brought in a new system for road accidents after 31^st April 2010 that are between a value of £1000 and £10,000.

This new system is based around a specially designed portal on the internet which allows all correspondence between both sides of a claim to be sent electronically. This means that everything is received instantaneously, cutting out the time waiting for post to drop onto a desk. 

The old system allowed defendants nearly 4 months before requiring them to give a response as to liability (fault on a case). This is in stark contrast to that of the new system which allows 15 working days for a liability response. Liability is the crucial first hurdle to a claim; having this answered early means that your claim can progress much more quickly, and it can also relieve a lot of stress from you, the claimant. I have set out a brief outline below of the processes your claim is likely to go through with this new system.
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If you have been involved in a road traffic accident that was not your fault, you may have a claim for compensation. The key phrase in this sentence is that ‘the accident was not your fault’.  Many people that have been involved in a road accident that was due to the other driver not using the necessary care and attention and was badly injured as a result, may feel the injustice of it, and also the frustration of the whole ordeal. These feelings are further amplified if the other driver either does not have insurance and / or speeds off into the distance neglecting to leave his / her details, or even to check if you are ok.

If this happens, you may think “well, how can I possibly have a claim?” – at The Injury Lawyers, we are happy to tell such claimants that they may indeed have a claim through the Motor Insurers Bureau; or MIB for short. The MIB are an organisation funded by motor insurers. The MIB have calculated that between £15 and £30 of our premiums go to funding them.  The MIB will not only consider compensation payouts for injuries, but also the cost of repairing your vehicle damages caused by the accident.

If you have been involved in such an accident where they other party is not insured, or has fled the scene, taking some actions to strengthen your claim is made all the more important. I have set out a few key actions which could be taken:
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A huge part of my job is to give free claims advice, and assess claims over the phone for anyone who has been injured in an accident through no fault of their own. It’s nice to let people know when they have a good claim, and it’s nice when the claimant instructs is there. I thoroughly enjoy it!

There, is however, another part that I do not like so much; in fact, it’s safe to say I don’t enjoy it at all. It’s never nice to hear when an accident victim calls up and they have already been taken advantage of by insurance companies, claims management companies, and solicitors willing to buy cases for extortionate referral fees.

For this article, my focus is on the insurers.
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Whiplash is one of those conditions which can get a bad press, as it is not so plain to the naked eye as a broken bone or laceration, for example. So, much of the time we are relying on the sufferers reports of the effect the injury is having on their lives and the level of pain they are in. At The Injury Lawyers, we hear day in day out of the devastating effect whiplash can have on a sufferers’ life; so we treat the condition with the utmost seriousness and respect that it deserves.

Symptoms

Whiplash is a condition which can be highly unpredictable. By this I mean that a doctor could advise that you will recover in 6 months, when one year down the line you are still in pain.  This is why it is advisable to seek the advice of a specialist injury lawyer as soon as possible. The symptoms of whiplash are wide ranging, and people can suffer from any one of the symptoms outlined below; if not all:
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I read today in the ‘Hartlepool Mail’ that Skanska Rashleigh Weatherfoil have been fined £120,000 and been forced to pay costs of £81,927 having pleaded guilty to breaches of health and safety regulations after a man was paralysed having been involved in an accident at work.  The horrific accident happened in Crawley back in January 2007 when an employee who was installing cable was working on a scissor lift when the trays supporting him collapsed: he fell 24ft.

As a result of the accident, the unfortunate man, who does not wish to be named, was unsurprisingly knocked unconscious and suffered paralysis from the waist downwards, as well as horrendous spinal injuries.  The Health and Safety Executive have since found that Skanska Rashleigh Weatherfoil failed in their duty to ensure the safety of its employees.  In particular, Skanska Rashleigh Weatherfoil admitted breaching section 2(1) and 3(1) of the Health and Safety Act 1974.

The HSE inspector who carried out the investigation had the following to say:
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