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Uninsured Driver Accident Compensation

Navigating the aftermath of an accident involving an uninsured driver can be both stressful and confusing, leaving you uncertain about how to secure the compensation you deserve for injuries, damages, and any financial losses incurred. At McCarthy + Co, our personal injury team provide clear, practical advice together with expertise in Ireland’s injury claims process. We’ll help you to secure the compensation you deserve.

Car driving fast through countryside representing an insured driver

Bringing a claim against an uninsured driver

If you’re involved in an accident and sustain injuries due to a third-party vehicle, compensation is typically covered by the at-fault party’s insurance. However, if the responsible driver is uninsured, the standard compensation system does not apply, prompting the need to bring an uninsured driver accident claim.

If the driver involved in the accident stops at the scene, it’s common for both parties to exchange details. However, there are instances where false insurance information is provided, with the lack of proper coverage being discovered later. Therefore, it’s crucial to note the vehicle’s details, including its registration number. Subsequently, you should inform your insurance provider as promptly as possible. In cases where you have sustained an injury, it is also essential to report the incident to the Gardai.

The protection of MIBI

The Motor Insurers’ Bureau of Ireland (MIBI) plays a crucial role in accidents involving uninsured drivers by acting as a safety net for victims. When an accident occurs with an uninsured or unidentified driver, the MIBI steps in to ensure that the injured parties can still receive compensation for their damages and injuries. This provides a vital avenue for recourse, securing financial recovery for those affected by the negligence of drivers who, for whatever reason, do not have valid insurance coverage at the time of the accident.

Starting your claim

If you intend to file a claim against an uninsured driver, your first step should be to contact MIBI. Following this, it is advisable to engage a solicitor to represent you. A solicitor will evaluate the extent of your injuries and damages to determine the potential compensation you may receive.

Whilst initiating proceedings with your solicitor, the MIBI conducts an investigation to ascertain the details of the accident, including establishing liability. Once it is verified that the third party is at fault and lacks insurance, your solicitor will submit the claim form. This action initiates the completion of the uninsured driver claims process, moving you closer to obtaining the compensation you deserve.


Speak to our legal team now about your case. Call us Freephone on:

1800 390 555

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Frequently Asked Questions

Some of the questions we are often asked in relation to accidents involving uninsured drivers.

  • Is it possible to bring a claim following an accident involving an untraced vehicle?

    Yes, it is. The MIBI offers a mechanism for individuals who have been involved in accidents with vehicles that cannot be traced or identified, such as hit-and-run incidents, to seek compensation. This ensures that victims of such accidents have a means to recover damages for injuries and losses incurred, even when the responsible party is unknown or has fled the scene, providing essential support and financial relief in these challenging situations. However, there are very strict conditions that the claimant must meet to pursue such a clain and it is advisable that you seek the counsel of an experienced personal injury solicitor.

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  • How long after an accident can I bring a claim?

    You have two years from the date of the accident to bring a claim for injury and/or damages resulting from an incident involving an insured driver. This time limit is dictated by the Statute of Limitations. It's crucial to begin the legal process as soon as possible after the accident as submitting your claim promptly can significantly increase your likelihood of securing compensation.

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  • What information do I need to bring a successful uninsured driver compensation claim?

    Gathering information is a key step in the claim process. Essential details include the make, model, and registration number of the other vehicle, with particular emphasis on the registration number. Also important are the other driver's name and address, contact information for any witnesses, and thorough documentation of any damage. Remember to note the time, date, and location of the accident. Many of these details can be efficiently captured in photographs, so if possible, use your phone to take pictures from various angles, showcasing the vehicles involved and the extent of the damage.

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  • Do I need a solicitor to bring an uninsured driver claim?

    While it's not mandatory to have a solicitor to bring a claim, it is highly recommended. A solicitor with experience in such claims can provide valuable guidance, ensuring that all legal procedures are correctly followed, and maximising your chance of receiving fair compensation. Your solicitor can navigate the complexities of the claim process for you, deal with the MIBI on your behalf, and help gather the necessary evidence to support your case. Engaging a solicitor can relieve much of the stress and burden, allowing you to focus recovering from the injuries you sustained in the accident.

Start your uninsured driver claim

Get expert advice on bringing an uninsured driver injury and damages claim. Call us on 1800 390 555 and an experienced member of staff will discuss your situation and potential next steps. You can also email on and we will get back to you as soon as we can.

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About McCarthy + Co

With more than 30 years of experience in dealing with personal injury claims, McCarthy + Co. has expertise in a wide variety of fields including road traffic and car accident compensation claims cases. We are a family-run business, and we pride ourselves on offering honest, impartial and helpful advice.

Our offices are based in Dublin and Cork but we work with clients throughout Ireland in locations ranging from Galway to Waterford. You can count on us for legal advice, guidance and assistance on any form of personal injury.

Our Awards & Accreditations

We are a multi-award winning firm, accredited by the Law Society of Ireland.

Law Firm of the Year - Irish Law Awards
Irish Law Awards 2022 - Winner of Excellence & Innovation in Client Services
Irish Law Awards 2022 - Excellence & Innovation in Client Services
Irish Law Awards 2021 - Litigation Law Firm of the Year (Munster)
Q9000 The Legal Quality Standard of Ireland
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AvMA logo - Action Against Medical Accidents
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Our Partners

Directly contact our partners via email about your case.

Flor McCarthy

Flor McCarthy

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Twitter: @flormccarthy LinkedIn: /in/flormccarthy/

wears multiple hats, not only as the managing partner of one of Ireland’s leading law firms, but also as an author, speaker and an acknowledged expert in client service, innovation and marketing.

Beginning his academic journey at UCC, Flor furthered his education with a master’s degree in law from UCD. After gaining valuable experience as a solicitor in Dublin, the allure of home and the family brought him back to West Cork to contribute his expertise to the family business.
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John McCarthy

John McCarthy

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LinkedIn: /in/johnmccarthysolicitor/

is a seasoned solicitor with almost 20 years of experience, specialises in personal injury and medical negligence claims, focusing particularly on high-value compensation cases. His extensive litigation experience spans Circuit Court, High Court and Supreme Court levels.

John's practice involves a diverse range of cases, from personal injury and wrongful death to property damage, defective products, professional negligence and judicial reviews.
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