Last week, it was reported that the Ministry of Justice (MoJ) have released figures which show that over the past 10 years, Lancashire has the most prosecutions for uninsured driving per 1,000 people of any part of England and Wales.

The figures, which were analysed by Tempcover and covered the period 2008-2018, show there were a whopping 43,301 prosecutions for those caught driving without insurance. Up to 259,806 fines were handed out, hitting an estimated total of £13 million.

The MoJ figures also show that the national average for prosecutions for driving without insurance was 21 (per 1,000 people). However, in Lancashire alone, this figure was almost double at 36 per 1,000 people.

The sanction for driving without insurance could be up to a £300 fine and six penalty points, if the case goes to Court the fine is unlimited and a disqualification from driving may be put in place.

What happens if I have been involved in an accident with a driver who was not insured?

If you are involved in an accident with another driver who turns out to be uninsured, all is not lost. All motorists pay a contribution from their insurance premiums to the Motor Insurers Bureau (MIB). The Motor Insurers Bureau deals with motorists who have been involved in accidents with uninsured or untraced motorists. They can pay compensation for property damage, death, or injury arising from the use of a motor vehicle on a road or a public place.

How do I make a claim to the Motor Insurers Bureau?

As with all accidents, it is vital to obtain all relevant registration numbers and photographs if you can. This, in turn, will enable you to be able to make enquiries to establish if the vehicle is insured or uninsured.

If someone has been injured in the accident, seek medical assistance immediately. Keep a note of all expenses incurred; this will be vital in providing to the MIB to prove all losses.

The procedure in dealing with the MIB can be complex so you may need to seek advice from a personal injury specialist.

Farleys have a team of legal specialists with experience of dealing with claims to the Motor Insurers Bureau, who can guide you through the process seamlessly and ensure that you receive the maximum amount of compensation as quickly and as hassle free as possible.

Contact us today on 0845 287 0939 or submit your enquiry through our online contact form.