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Association of Personal Injury Lawyers

Road accident compensation lawyers near to london

Road traffic accidents

Any accident which takes place on a public highway or other public place can be termed a road accident. Obviously there is usually a vehicle of some sort involved, either colliding with another vehicle, or with a cycle, motorbike or pedestrian for example.

The rules which govern how claims are run are set out in the Civil Procedure Rules and pre-action protocols which your lawyer must follow in order to set out your claim. There is also an electronic portal which deals with certain types of road accident claims, which aims to speed up the whole claims process. See What is the portal?.

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Mr Dominic Fairclough of RUSSELL-COOKE LLP in London
Personal injury - Senior Litigator
Dominic is Managing Partner of Russell Cooke and a Partner in the Clinical Negligence & Personal Injury Team, advising on both clinical negligence and personal injury claims. Identified as a 'leading individual' by Chambers, he is described as a 'highly... Read more
Ms Anna Konzon of THOMPSONS SOLICITORS LLP in London
Personal injury - Senior Litigator
Mr Laurence Shaw of SLATER + GORDON LAWYERS in London
Personal injury - Senior Litigator
Personal injury legal practice
Personal injury - Senior Litigator
Terrence Donovan is a partner in the clinical negligence and personal injury department at Kingsley Napley Solicitors in Central London. He was admitted as a solicitor in 1988 and for most of his career has specialised in clinical negligence claims and... Read more
Personal injury legal practice
Personal injury - Senior Litigator
Jeremy Hugo of Woolsey Morris and Kennedy at 100 Station Road Sidcup Kent. We are close to the station and with a car park to the rear of our building.  I am a Senior Litigator with APIL since June 2009 and Chartered Legal Executive... Read more
Brain injury lawyer
Spinal cord injury lawyer
Personal injury legal practice
Personal injury - Senior Fellow
Colin is a consultant with Irwin Mitchell.  He has been practicing personal injury work for over 40 years and led the personal injury department at Irwin Mitchell’s London office for over 20 years. Colin has been active in APIL since its... Read more
Mr Martyn Trenerry of MULLIS & PEAKE LLP in Romford
Personal injury - Senior Litigator
Having specialised in all types of personal injury claims for most of my career, I have successfully recovered compensation for many hundreds of clients. Whilst I have litigated cases to trial where necessary I always try to resolve matters through... Read more
Personal injury legal practice
Personal injury - Senior Litigator
Expertise: Medical negligence and high value personal injury claims. Career: David is a Fellow of the Chartered Institute of Legal Executives and a Partner based in Simpson Millar's London office. He heads his own team representing... Read more
Spinal cord injury lawyer
Accidents aborad lawyer
Personal injury legal practice
Personal injury - Fellow
Julian specialises in international personal injury litigation, severe brain injury, spinal cord, amputee and fatal accident claims. He is ranked Band One in both Travel law and Personal Injury in Chambers 2013 which comments that "Julian Chamberlayne... Read more
Mr Myles Hickey of DOWSE & CO in London
Personal injury - Fellow
email: mh@dowse.co.uk Specialisation: civil litigation, particularly personal injury, professional and other negligence, general common law litigation. Career: I have worked at Dowse & Co since 1976, for my entire professional life, training as a... Read more
Personal injury legal practice
Personal injury - Senior Litigator
Jennifer is an Associate Solicitor in the International Travel team of Irwin Mitchell’s London office. Jennifer qualified as a Barrister in 2006 and cross-qualified as a Solicitor in 2008. As a Spanish-speaker, Jennifer is regularly instructed to act for... Read more
Ms Julie Aldred of WISEMAN LEE LLP in London
Personal injury - Senior Litigator
Julie’s expertise is handling claims for catastrophic injury, such as brain damage, caused by clinical negligence or accidents at work or on the road. Working both in the courts and through mediation to win settlements at every financial level,... Read more
Personal injury legal practice
Personal injury - Senior Litigator
Natasha is an associate solicitor in the serious injury and child abuse team in Irwin Mitchell’s London office.  She has a varied case load specialising in claims following accidents at work, road traffic accidents, public liability... Read more
Personal injury legal practice
Personal injury - Fellow
Daniel deals with complex personal injury claims, specialising in industrial disease claims and catastrophic injuries. He is  joint head of the asbestos and mesothelioma team. Daniel began to focus his practise exclusively on claimant personal... Read more
Mr Gerard Stilliard of THOMPSONS SOLICITORS LLP in London
Personal injury - Senior Litigator
Brain injury lawyer
Accidents aborad lawyer
Personal injury legal practice
Personal injury - Senior Litigator
Scott specialises in acting for clients who have suffered catastrophic injuries abroad. He has secured over £40m in damages for his clients. He represented the claimant in the landmark case of Wall v Mutuelle de Poitiers Assurances [2014] EWCA Civ... Read more
Personal injury legal practice
Personal injury - Senior Litigator
I am a bilingual and dually qualified lawyer (English/French) specialising in cross-border personal injury litigation. I act mostly for British victims of accidents abroad (France, Spain, Italy, Belgium, Germany etc...) or for foreigners... Read more
Personal injury legal practice
Personal injury - Fellow
Alan specialises in serious personal injury cases including head and spinal injury claims, but primarily child abuse casesHe acts for a wide range of individuals in this country and overseas, and these include those who have suffered serious head and... Read more
Ms Lesley Francois of SLATER + GORDON LAWYERS in London
Occupational disease lawyer
Asbestos disease lawyer
Personal injury - Senior Litigator
I am a Solicitor in the industrial disease team based in London and specialise in mesothelioma and other asbestos related cases. I have spent more than 15 years representing victims of industrial disease and serious injury at leading trade union... Read more
Ms Sana Bibi of ANTHONY GOLD in London
Personal injury - Senior Litigator
Ms Gwen Kirby-Dent of THOMPSONS SOLICITORS LLP in London
Personal injury - Senior Litigator
Personal injury legal practice
Personal injury - Senior Litigator
Raquel is a Partner and heads up the firm’s Spinal Injury department. Raquel specialises in representing clients with spinal cord injuries arising from medical negligence and or personal injury. She has been widely praised for her excellent... Read more
Ms Frances McCarthy of PATTINSON & BREWER in London
Personal injury - Senior Fellow
Personal injury legal practice
Personal injury - Fellow
Kevin specialises in personal injury and clinical negligence litigation involving severe brain injury, severe spinal cord injury, child injury claims and fatal accident claims. With more than 25 years of experience, Kevin was ranked in Band 1 of... Read more
Personal injury legal practice
Personal injury - Senior Litigator
I am a Senior Solicitor at Hudgells Solicitors in Central London and I am accredited by APIL as a Senior Litigator.  I deal with personal injuries of the utmost severity, in particular brain injury, spinal cord injury and fatal accident... Read more
Mr David Marshall of ANTHONY GOLD in London
Personal injury - Fellow
Clinical negligence lawyer
Personal injury legal practice
Personal injury - Senior Litigator
Suzanne is a Partner and is head of the adult brain injury department at Bolt Burdon Kemp. She has specific expertise in complex claims involving serious brain injuries in adults and she is passionate about resolving claims swiftly and... Read more
Accidents aborad lawyer
Personal injury legal practice
Personal injury - Senior Litigator
Chris is a Senior Associate in the International Injury Team at Stewarts who has dedicated his legal career to being a specialist travel lawyer, throughout this time he has acted almost exclusively for the victims of accidents abroad and in disputes... Read more
Ms Henrietta Phillips of THOMPSONS SOLICITORS LLP in London
Personal injury - Senior Litigator
Mr Laurie Avadis of AVADIS & CO in London
Personal injury - Senior Litigator
Laurie Avadis Solicitor / Director of Avadis and co Email : info@avadis.co.uk Laurie founded Avadis and co in July 1998 having qualified in 1982. Personal Injury Laurie handles all areas of personal injury law and clinical negligence. He... Read more
Personal injury legal practice
Personal injury - Senior Litigator
I am a solicitor at Irwin Mitchell, London.  I qualified in September 2012 and joined Irwin Mitchell in December 2014.  I manage a varied case load, dealing with a wide range of issues including: brain injuries, spinal and orthopaedic... Read more
Personal injury legal practice
Personal injury - Fellow
Ben Posford is a recommended lawyer in the Legal 500 both for personal injury and clinical negligence, and listed as a ‘Top Ranked Individual’ in Chambers & Partners. Ben heads up a department of senior lawyers handling... Read more
Personal injury legal practice
Personal injury - Senior Litigator
I was educated at the University of Oxford and the University of Wales. I qualified as a solicitor in 2000 and have nearly 20 years' experience of personal injury litigation.   I have been a partner at Osbornes... Read more
Personal injury legal practice
Personal injury - Senior Litigator
I have been a Solicitor for twenty years and for the past 15 years have specialised in acting for Claimants in personal injury claims. I now specialise in high value claims concentrating on amputation injuries, fatal accident claims and brain and spinal... Read more
Personal injury legal practice
Personal injury - Fellow
Stuart is an APIL Fellow and a Partner at Camden law firm Osbornes Solicitors LLP. He runs Osbornes’ 17 strong PI team and manages a caseload of head injury and high value RTA and EL accident claims: “well regarded in the personal injury world for his... Read more
Personal injury legal practice
Personal injury - Senior Litigator
Sam is an Associate in Osbornes' Catastrophic Injury Department, who specialises in complex and high value claims, including brain and spinal injuries, fatalities, loss of limbs and severe psychiatric harm. Sam qualified as a Solicitor in 2011 and... Read more
Mr Paul Gilbert of HUTCHINS & CO in London
Personal injury - Senior Litigator
Mr Kam Singh of THOMPSONS SOLICITORS LLP in London
Personal injury - Senior Litigator
Mr Digby Martin Fletcher of ARMSTRONG & CO in London
Personal injury - Senior Litigator
Personal injury legal practice
Personal injury - Fellow
Specialisations Specialising in complex and catastrophic brain and spinal cord injury claims. Paul has been involved in numerous high profile cases: Record court approved spinal injuries settlements (Callum Cross £8.1 million, Agnes Collier £15... Read more
Personal injury legal practice
Personal injury - Senior Litigator
I have worked in the Personal Injury Department of Osbornes of Camden Town as a solicitor since 2001. I was made a partner of the firm in 2012 and deal with a wide variety of accident claims including accidents at work, road traffic accidents, tripping... Read more
Ms Janice Gardner of RUSSELL-COOKE LLP in London
Personal injury - Senior Litigator
Brain injury lawyer
Personal injury legal practice
Personal injury - Senior Litigator
I am a Senior Associate in the Serious Injury department in Irwin Mitchell's London office. I fight for clients who have sustained life-changing injuries as a result of a road traffic collision, an accident at work. I am an APIL accredited... Read more
Mr Oliver Jeffcott of BL CLAIMS SOLICITORS in London
Personal injury - Senior Litigator
Mrs Sarah Lincoln of LINCOLN WATTS & LEEDING in London
Personal injury - Senior Litigator
Personal injury legal practice
Personal injury - Senior Litigator
Name:  Vashti Norman Job Title:  Solicitor – Senior Personal Injury Office: Kingston Direct Dial: 0208 541 8107 Expertise:  Serious Personal Injury Claims including claims involving multiple fractures, brain injuries, spinal injury... Read more
Ms Katherine Lennon of ANTHONY GOLD in London
Personal injury - Fellow
Katherine is a FELLOW of Apil and has specialised in Claimant catastrophic injury claims her whole career, achieving many mulit-million pound settlements for her Clients. Katherine trained and qualified in 1996 with Osborne Morris & Morgan... Read more
Miss Minal Popat of SARACENS SOLICITORS in London
Personal injury - Senior Litigator
Brain injury lawyer
Personal injury legal practice
Personal injury - Fellow
Tracey Storey is a partner in the personal injury department of Irwin Mitchell’s London office. She heads up the child abuse team at Irwin Mitchell. Whilst undertaking personal injury cases including head injuries, fatal claims and amputations,... Read more

All firms will probably provide the first half hour of your consultation free of charge, either by telephone or in person.

It is strongly recommended that you should consult with two or three accredited injury lawyers before making a decision on who to instruct.


Do I need a lawyer to make a road accident claim?

Yes you do! Many insurance companies like to contact the people involved in an accident to try to settle the claim directly. They sometimes do this even after you have instructed your own solicitors. This could be your own insurer or the insurer for the driver of the other vehicle involved.

While this is allowed, there are good reasons why you should not deal with the insurer of the driver who caused your injury directly and why you should instruct a lawyer:

  • The lawyer will be able to use the online ‘claims portal’ to deal with your claim. This electronic system speeds up the claim process. Provided that liability is admitted and the claim is worth £25,000 or less, it could be finalised quickly and efficiently through the portal.
  • The other drivers’ insurer is likely to make you a lower offer that you are entitled to in the hope that you will settle quickly and the claim can be closed. Our own research shows that claimants receive offers which are at least 42% lower when they are not legally represented. For this reason alone it is in your best interests to instruct a lawyer to represent you.
  • The other drivers’ insurer will pay your costs and expenses if you are legally represented and successful with your claim. Dealing with the insurer directly is time consuming and is not straightforward. If you do not instruct a lawyer and deal with the other drivers’ insurer yourself, you are unlikely to be able to claim back the cost of the time and effort you have to put in to settle the claim.
  • A lawyer will ensure that you are properly medically examined. While it is tempting to take the first amount offered by the insurance company for a broken bone, there is a risk that this might not be your only injury which requires compensation. For example, long term pain, the risk of developing arthritis in the future, or psychological after-effects may also develop: your lawyer will ensure that the medic is alive to these issues.

If the accident was your fault, you should never make admissions to the injured person’s insurance company. You should seek legal advice to protect your financial and legal position.


No win no fee road accident claims

Previously referred to as no win no fee or CFA, a Conditional Fee Agreement is a written agreement whereby legal fees and expenses only become payable in certain circumstances. Your APIL accredited lawyer will explain to you what those circumstances are as they will depend on the type of agreement entered into.


How much compensation can I claim for a road traffic accident?

The amount of compensation you can claim depends on the type of injury you have suffered, how long it lasts and whether there are any lingering effects. A table of common injuries which people suffer in RTAs are listed below, with the range of compensation which may be payable.

In addition to compensation for your injury, you can also claim what are known as ‘special damages.’ These are usually the expenses you have had to spend as a result of your injury. These can include:

  • loss of earnings;
  • extra travel expenses;
  • car hire;
  • prescription charges;
  • medical costs;
  • the cost of replacing damaged clothing or spectacles, for example.

For more serious injuries, you can also claim for extra aids and equipment to help you get around, adapt your home or car, and for the cost of carers to look after you while you are injured.

Neck injuries
Severe
Neck injury: incomplete paraplegia or resulting in permanent spastic quadriparesis or where, despite wearing a collar 24 hours a day for a period of years, injured person still has little or no neck movement and suffers severe, intractable headaches. £118,240 - £130,060
Serious fractures or damage to cervical spine discs, giving rise to disabilities which are of considerable severity. E.g. permanent damage to brachial plexus or substantial loss of movement in neck and loss of function in one or more limbs. £52,390 to £114,810
Injuries causing fractures or dislocations or severe damage to soft tissues and/or ruptured tendons leading to permanent chronic conditions and significant disability. Depends on length of time during which the most serious symptoms are ameliorated, extent of treatment required and prognosis for the future. £36,240 to £49,090
Moderate
Fractures, dislocations which cause severe immediate symptoms, may need spinal fusion. Includes chronic conditions or serious soft tissue injuries to neck and back combined. Markedly impaired function or vulnerability to further trauma. Activities limited. Can include cases where there are pre-existing degenerative changes or where symptoms have been accelerated. £19,920 to £33,750
soft tissue or wrenching-type injury & more severe type of disc lesion resulting in cervical spondylosis, serious limitation of movement, permanent or recurring pain, stiffness or discomfort and the possible need for further surgery or increased vulnerability to further trauma. Also includes injuries which may have accelerated and/or exacerbated a pre-existing condition over a prolonged period of time, usually by five years or more. £10,960 to £21,910
Minor

This bracket includes minor soft tissue injuries. While duration is important, other factors such as these below may affect the award:

  • the severity of the neck injury;
  • the intensity of pain experienced and the consistency of symptoms;
  • the extent to which ongoing symptoms are of a minor nature only;
  • the presence of additional symptoms in the back and/or shoulder and/or referred headaches;
  • the impact of the symptoms on the injured person’s ability to function in everyday life and engage in social/recreational activities;
  • the impact of the injuries on the injured person’s ability to work;
  • the extent of any treatment required;
  • the need to take medication to control symptoms of pain and discomfort.
Where a full recovery takes place within a period of about one to two years. This bracket will also apply to short-term acceleration and/or exacerbation injuries, usually between one to two years. £3,470 to £6,920
Where a full recovery takes place between three months and a year. This bracket will also apply to very short-term acceleration and/or exacerbation injuries, usually less than one year. £1,950 to £3,810
Where a full recovery is made within three months. Up to £1,950 to £2,150
Shoulder injuries
Severe
Often associated with neck injuries and involving damage to the brachial plexus. £15,300 - £42,110
Serious
Dislocation of the shoulder and damage to the lower part of the brachial plexus causing pain in shoulder and neck, aching in elbow, sensory symptoms in the forearm and hand, and weakness of grip or a fractured humerus leading to restricted shoulder movement. Cases of rotator cuff injury with persisting symptoms after surgery will usually fall within this bracket, as will cases of soft tissue injury where intrusive symptoms will be permanent. £10,180 to £16,830
Moderate
Frozen shoulder with limitation of movement and discomfort with symptoms persisting for about two years. Also soft tissue injuries with more than minimal symptoms persisting after two years but not permanent. £6,290 to £11,200
Minor
Soft tissue injury to shoulder with considerable pain but almost complete recovery. Starting point will be the duration of symptoms but the severity of the original injury, the degree of pain experienced and the extent to which ongoing symptoms are of a minor nature only may justify an award in a higher or lower bracket.
in less than two years; £3,470 to £6,920
within a year; £1,950 to £3,810
within three months Up to £1,950 to £2,150
Wrist injuries
Injuries resulting in complete loss of function in the wrist for example, where an arthrodesis has been performed. £37,960 to £52,490
Injury resulting in significant permanent disability, but where some useful movement remains. £19,530 to £34,340
Less severe injuries where these still result in some permanent disability as, for example, a degree of persisting pain and stiffness. £10,040 to £21,480
Where recovery from fracture or soft tissue injury takes longer but is complete, the award will rarely exceed £8,160 (£8,970 with 10% uplift). Rarely exceed £8,160
An uncomplicated Colles' fracture. In the region of £5,920 to £6,510
Very minor undisplaced or minimally displaced fractures and soft tissue injuries requiring application of plaster or bandage for a matter of weeks, a full or virtual recovery within up to 12 months or so. £2,810 to £4,160

How long do I have to claim after a road traffic accident?

Usually court proceedings must be started before the third year anniversary of the road traffic accident.

This does not mean you should wait nearly three years before seeking legal advice, though. A lot of work needs to be done before court proceedings can be issued and the later you leave it to seek advice, the more difficult it will be to find a lawyer willing to take on your claim.

If the road traffic accident happened abroad, then a different time limit will almost certainly apply which could be anything from one year to ten years, depending on location.

There are also different time limits for children, and individuals who lack legal capacity.

It is vital that you seek legal advice as early as possible to avoid running out of time to make a claim.


Can I claim for treatment and care costs following a road accident?

If you have been injured as a result of someone else’s negligence there are a range of benefits available to you, in addition to much-needed medical treatment and financial redress.

APIL lawyers are the gateway to finding the care, financial help and benefits which will speed your recovery. They can help you to obtain the following from the negligent party or their insurers:

  • Upfront payments, e.g. taxis to hospitals
  • Domestic care
  • Equipment and adaptations to make your life easier, while you recover e.g. wheelchair, ramps at home
  • Early private medical treatment e.g. physiotherapy
  • Arranging flexible return to work
  • Retraining, if needed, which will give you access to future employment

Can I claim if a road accident made my existing symptoms worse?

It is possible to claim compensation for accidents which have exacerbated a pre-existing condition.

Provided that liability is admitted for the accident, it is possible to factor in the effect of exacerbated pre-existing conditions, provided that you can prove that the accident did adversely affect them. The key is to ensure that you make your lawyer aware of the pre-existing condition so that your medical evidence can take it into account.

The general rule is that the person causing the injury must ‘take the claimant as he or she finds them.’ So for example, if you have a prolapsed disc in your spine and the road traffic accident causes it to degenerate, then this could be taken this into account when calculating your compensation.


Can I make a road accident claim if it was my fault?

Was it really your fault? Make sure you tell your insurance company and/or solicitor exactly what happened.

If it was your fault, then you cannot make a claim for personal injury, but you may still need legal advice, particularly if the other people involved in the accident make a claim on your insurance if they have been injured.

You should:

  • Tell your insurance company exactly what happened, and keep a note of what you have told the company;
  • Take photographs of the damage to your vehicle, as well as the other vehicles involved in the accident;
  • Pass on details of any witnesses
  • Seek legal advice, particularly if insurers contact you direct – make no admissions to them until you have been given legal advice.

What to do if you have been contacted by an insurance company

Many insurance companies like to contact the people involved in an accident to try to settle the claim directly. They sometimes do this even after you have instructed your own solicitors. This could be your own insurer or the insurer for the driver of the other vehicle involved.

While this is allowed, there are good reasons why you should not deal with the insurer directly:

Road accident claims chart
  • The insurer will be looking to save money and is likely to make you a low offer in the hope that you will settle quickly and the claim can be closed. Our own research shows that claimants receive offers which are at least 42% lower when they are not legally represented.
  • The insurer will only pay your costs and expenses if you are legally represented. Dealing with the insurer directly is time consuming and by no means straightforward. Dealing directly will mean that you are unlikely to be able to claim back the time and effort you have to put in to settle the claim yourself.
  • A legal representative will ensure that you are properly medically examined. While it is tempting to take a low amount from the insurer for a broken bone in the early days after an accident, there is a risk that this might not be your only injury which requires compensation. For example, long term pain, the risk of developing arthritis in the future or psychological after effects may also develop: your lawyer will ensure that the medic is alive to these issues.
  • If the accident was your fault, you should never make admissions to the injured person’s insurance company direct: seek legal advice to protect your financial and legal liability position.

Will my road accident injury claim to go court?

Very few personal injury claims actually go to a full court hearing or ‘trial’. The majority of cases are settled out of court.

Court proceedings might have to be started, for example where the third year anniversary of the accident date is approaching, or the person who caused the accident does not admit liability or disputes the value of the claim.

Proceedings are started by lodging a claim form with the court. Even after this has been done, most claims will not go to a full trial although there might be some court applications which need to be made, to obtain vital documents, evidence, or to set a costs budget for example.

The claim will go to trial in court if both sides cannot agree either who was responsible for the accident, the extent of the injuries caused or the valuation of the compensation.

You may have to give evidence, possibly along with one or more of your experts. Your lawyer will explain the court procedures should a trial look likely.


Pedestrian claims

If you were a pedestrian who was involved in an accident which involved a motor vehicle of some sort then your claim can also be dealt with through the electronic portal (see low value accident claims above) unless your injuries are sufficiently severe to mean that you are likely to receive more than £25,000 in compensation. Severe cases would include those where you have suffered multiple serious injuries where you are likely to need ongoing care or suffer a loss of earnings in the future as a result of them.


Passenger claims

Passengers who are travelling in a vehicle involved in a road traffic accident can claim compensation from the at-fault driver. Even if it was the driver of the car in which they were travelling who caused the accident, the passengers can still claim. This applies unless the passenger contributed to the accident, of course, for example by distracting the driver or interfering with the controls in some way.


Cycling claims

If you were a cyclist who was involved in an accident which involved a motor vehicle of some sort then your claim can also be dealt with through the electronic portal unless your injuries are sufficiently severe to mean that you are likely to receive more than £25,000 in compensation. Severe cases would include those where you have suffered multiple serious injuries, where you are likely to need ongoing care or suffer a loss of earnings in the future as a result of them.


Road rage incidents

Individuals who suffer injuries as a result of ‘road rage’ incidents can also claim compensation from the Criminal Injuries Compensation Authority (CICA). The proviso is that the vehicle must have been used intentionally to cause the injury. For example, this could include deliberately clipping a cyclist, driving onto the pavement to target pedestrians or deliberately ramming into another car. Lawyers will tend to advise that you make a CICA claim alongside a personal injury claim against the vehicle’s insurance company. The CICA would usually ask for its damages to be repaid from the personal injury compensation in the event that the claim against the insurer eventually succeeds.


Uninsured driver claims

If you are injured in a road accident and find out that the at-fault driver was uninsured, your lawyer can claim compensation for your injuries from the Motor Insurers’ Bureau (MIB).

The MIB has its own rules about how the claim must be run and it is vital that you seek legal advice to avoid falling foul of its strict timetables and provisions.

The MIB runs an insurance company-backed scheme which was set up in agreement with the Government back in 1945 to ensure that those injured by an uninsured driver can be compensated for their injuries.

The MIB will cover claims against all classes of vehicle which must carry compulsory road insurance.

There are some organisations which do not need to have RTA insurance and which are not covered by the MIB’s scheme. These include vehicles owned by:

  • The Crown
  • NHS Trusts
  • Ambulances owned by a National Health Service trust
  • Education Authorities
  • Primary Care Trusts
  • Police
  • Local Councils
  • The Army
  • Fire Services
  • City of London
  • Inner London Education Authority

to name but a few. The full list can be found in section 144 of the Road Traffic Act 1988 here: https://www.legislation.gov.uk/ukpga/1988/52/section/144.

In these circumstances, the vehicle’s owner will pay out compensation for the claim, rather than an insurance company.


Why use an APIL road accident lawyer?

The Association of Personal Injury Lawyers has over 3,500 members and is an independent, not-for-profit organisation fighting for the rights of injured people. APIL provides accreditation for lawyers who specialise in personal injury law and this accreditation shows that these lawyers have achieved high standards of expertise and competence. Our accredited lawyers are committed to attending legal personal injury training to keep their specialist personal injury skills up-to-date.

Only accredited injury lawyers specialising in road accidents are listed on this page.