Non-Fault Accident With an Uninsured Driver — What to Do

What to Do Immediately

If you discover the other driver is uninsured after a non-fault accident, stay calm — you still have legal options. Do not let the other driver leave without getting their details. If they refuse or drive off, note the registration plate and call the police immediately.

The Motor Insurers Bureau (MIB)

In the UK, if you are involved in a non-fault accident with an uninsured driver, you can make a claim through the Motor Insurers Bureau (MIB). The MIB is a not-for-profit organisation funded by all UK insurers that compensates victims of uninsured and untraced drivers.

Road Claim works with specialist partners experienced in MIB claims. We can guide you through the process from start to finish at zero cost to you.

How an MIB Claim Works

• You must report the accident to the police within 5 days for an uninsured driver claim
• MIB has strict time limits — act as quickly as possible
• You will need: police report number, registration of the other vehicle, photos, witness details
• MIB claims typically take longer than standard non-fault claims — 3 to 9 months
• Road Claim manages the entire process on your behalf

What If the Driver Fled the Scene?

A hit-and-run accident can also be claimed through the MIB under the Untraced Drivers Agreement. You must report the incident to the police within 14 days and co-operate fully with their investigation. Contact Road Claim immediately and we will advise you on the specific requirements for your situation.

Should I Use My Own Insurance?

If you have uninsured driver cover on your own policy, your insurer may handle the claim — but this could affect your no-claims bonus depending on your policy terms. Road Claim can advise you on the best route given your specific policy and circumstances, to ensure your no-claims bonus is fully protected where possible.

Read our full guide: will a non-fault accident affect my no-claims bonus?

Frequently Asked Questions