If you were injured by an uninsured driver in Scotland, you can claim compensation through the Motor Insurers' Bureau (MIB). The MIB exists to ensure victims are compensated even when the at-fault driver has no insurance. Your solicitor handles the entire process on a No Win No Fee basis.
What Is an Uninsured Driver Claim?
It is a legal requirement in the UK to have at least third-party motor insurance. Despite this, an estimated 1 million drivers on UK roads have no insurance. If one of these drivers injures you, you can still claim compensation.
Claims against uninsured drivers are handled through the Motor Insurers' Bureau (MIB), funded by all UK motor insurers to compensate victims of uninsured and untraced drivers.
Can I Claim Against an Uninsured Driver?
Yes. As long as the uninsured driver was at fault for the accident that injured you, the MIB will compensate you. This applies whether you were a driver, passenger, cyclist, or pedestrian. You do not need to pursue the uninsured driver personally — the MIB handles the compensation.
How Does the MIB Claims Process Work?
Your solicitor submits a claim to the MIB under the Uninsured Drivers Agreement
The MIB investigates the accident and assesses liability
Medical evidence is gathered to assess your injuries
The MIB makes a compensation offer
Your solicitor negotiates to ensure you receive fair compensation
MIB claims can take longer than standard insurance claims — typically 12 to 18 months — but you are entitled to the same level of compensation.
How Much Compensation From the MIB?
Compensation from the MIB is calculated in the same way as any personal injury claim. You receive compensation for your injuries (general damages) and financial losses (special damages) including lost earnings, medical costs, and travel expenses. The same Judicial College Guidelines apply.
What to Do If Hit by an Uninsured Driver
Call the police — driving without insurance is a criminal offence
Get the driver's name, address, and vehicle registration
Take photos of the scene and damage
Collect witness details
Report to your own insurer
See a doctor and keep medical records
Contact a solicitor experienced in MIB claims
Last reviewed: 15 March 2026 by Personal Injury Claims Scotland
Car Accident Claim Scotland | No Win No Fee | Free Consultation
Injured in a car accident in Scotland? Our specialist personal injury solicitors will fight for your compensation — no win, no fee, 100% of your award.
Personal Injury Claims in Scotland
Our experienced personal injury lawyer team handles all types of car accident claims, whiplash injuries, motorcycle accidents, cyclist accidents, pedestrian accidents, hit and run claims, and uninsured driver claims across Scotland on a no win no fee basis.
What to Do After a Car Accident in Scotland
Been in a car accident in Scotland? Follow these steps to protect your health, your rights, and your compensation claim.
Step 1: Check for Injuries and Call 999
Your safety comes first. Check yourself and passengers for injuries. Call 999 immediately if anyone is hurt. Whiplash, soft tissue injuries, and concussion may not appear for 24–72 hours.
Step 2: Exchange Details
You are legally required to stop and exchange details: full name, address, phone number, vehicle registration, and insurance details.
Step 3: Gather Evidence at the Scene
Photograph vehicle damage, road layout, traffic signs, weather conditions, and skid marks. Save dashcam footage immediately. Collect witness names and phone numbers.
Step 4: Report the Accident
Report to Police Scotland if anyone is injured, the other driver fails to stop, or you suspect drink-driving. Report within 24 hours.
Step 5: See a Doctor
See your GP or A&E even if you feel fine. Whiplash, back pain, and psychological injuries like anxiety and PTSD often have delayed onset. A medical record strengthens your claim.
Step 6: Notify Your Insurer
Most policies require you to report any accident promptly. Stick to the facts, do not admit fault, and do not accept a quick settlement without legal advice.
Step 7: Contact a Solicitor
Get free, no-obligation advice from a Scottish personal injury solicitor. A good solicitor works on a no win no fee basis.
Scotland-Specific Considerations
Scotland has a 3-year time limit for personal injury claims (vs 2 years in England). There is no whiplash tariff cap in Scotland. Cases are heard in Scottish courts under Scots law. Under contributory negligence, your compensation is reduced proportionally rather than eliminated.
How Does a Personal Injury Claim Work?
Step 1: Free consultation — tell us about your accident. Step 2: We handle everything — evidence, medical reports, negotiations. Step 3: You receive your personal injury compensation.
Types of Accident Claims We Handle
We handle car accident claims, whiplash claims, motorcycle accidents, cyclist accidents, pedestrian accidents, hit and run claims, bus and taxi accidents, rear-end collisions, roundabout accidents, motorway accidents, and van/HGV accidents across Scotland.
Accident Claims Across Scotland
Our personal injury solicitors help people make accident claims in Glasgow, Edinburgh, Aberdeen, Dundee, Inverness, Stirling, Perth, Paisley, Livingston, Falkirk, Hamilton, and the Scottish Highlands.
Frequently Asked Questions
How long do I have to make a personal injury claim in Scotland?
You generally have three years from the date of the accident to start a personal injury claim in Scotland.
What does No Win No Fee mean?
No Win No Fee means you don't pay any legal fees unless your claim is successful. If we don't win, you owe nothing.
How much compensation could I receive?
Compensation depends on the type and severity of your injury, plus financial losses like lost wages or medical expenses.
Do I have to report a car accident to the police in Scotland?
You must report to Police Scotland if anyone is injured, if the other driver fails to stop, or if you cannot exchange details at the scene.
Can I still claim if the accident was partly my fault?
Yes. Under contributory negligence rules in Scotland, your compensation may be reduced by the percentage you were at fault, but you can still claim.
Should I see a doctor even if I feel fine after an accident?
Absolutely. Whiplash, soft tissue injuries, and concussion may not produce symptoms for hours or days. A prompt medical record strengthens your claim.
