If the driver who caused your accident had no valid insurance, you can still claim compensation through the Motor Insurers' Bureau, with no upfront fees.
It's a claim for compensation when you're injured in a road accident caused by a driver who had no valid insurance. Their lack of insurance doesn't stop you claiming.
The Motor Insurers' Bureau (MIB) compensates people injured by uninsured drivers in Northern Ireland. It does this under an agreement with the Department for Infrastructure, renewed in December 2023.
If anyone was injured, the crash must be reported to the PSNI as soon as you reasonably can. Note the other driver's name, address and registration, take photos, and get witnesses' details.
If the driver can't be traced at all, the claim still goes to the MIB, under a separate agreement. Our hit and run claims page explains how that works.
Most injury claims must be started within three years of the accident, under the Limitation (Northern Ireland) Order 1989. MIB claims have conditions and deadlines of their own, so it's best to get advice early.
Even if you're unsure how serious your injury is, it's best to get checked and speak to our legal team for advice.
You pay nothing to start your claim and nothing while it runs.
We only handle personal injury and clinical negligence claims, from first advice through to court if it comes to that.
If your claim succeeds, the other side pays your legal costs and you keep 100% of your compensation.
Our legal insurance covers the costs if your claim doesn't succeed.
We'll look at what happened and tell you honestly whether you have a claim. There's no pressure to go ahead.
Road traffic claims are run by Paul Kearney, a solicitor advocate and former barrister, with trainee solicitor John Deeney.
We help clients across Northern Ireland, in person or by phone, email or video.
It's a legal process where you can seek compensation if you were injured in an accident caused by a driver who didn't have valid insurance
Yes. Even if the driver was uninsured, you may still be entitled to compensation. We can help guide you through the right process.
The Motor Insurers' Bureau (MIB). It compensates people injured by uninsured and untraced drivers in Northern Ireland under agreements with the Department for Infrastructure.
Common injuries include whiplash, back pain, broken bones, soft tissue injuries, and trauma-related stress.
Call us, email us, or use our free enquiry form. We'll review your case and explain your options without pressure or cost.
Most claims settle without going to court. If yours does go to court, we represent you.
You may claim for pain and suffering, medical bills, lost income, travel costs, car repairs, and ongoing support.
MIB claims have extra conditions, such as reporting the accident to the police, so they can take more steps. We'll tell you honestly how your claim looks before you go ahead.
Seek medical help, gather evidence (photos, witness info), and speak with a solicitor as soon as possible.
Yes. If anyone was injured, the crash must be reported to the PSNI. The MIB will also ask whether it was reported.
Yes. You may still receive compensation, though the amount may be reduced. We'll give you clear advice.
It depends on your injury, financial loss, and recovery time. We'll give an estimate after reviewing your case.
No. There are no upfront fees. If your claim succeeds, the other side pays your legal costs. If it doesn't, our legal insurance covers the costs.
Yes. If your claim succeeds, the other side pays your legal costs and you keep 100% of your compensation.
No win, no fee agreements aren't permitted in Northern Ireland. Instead there are no upfront fees, our legal insurance covers the costs if your claim doesn't succeed, and if it succeeds you keep 100% of your compensation.
Yes. We make it simple to switch with no extra fees or delays.
We can still help trace the driver or make a claim through other channels. You're not alone.
Yes. If you were injured as a passenger, you can also claim even if the driver was uninsured.
Yes. In most cases, you have three years from the accident date. For children, the limit starts at age 18.
We only handle personal injury and clinical negligence claims. There are no upfront fees, our legal insurance covers the costs if your claim doesn't succeed, and if it succeeds you keep 100% of your compensation.
Kearney Law Group Ltd is a solicitors' practice regulated by the Law Society of Northern Ireland. Registered in Northern Ireland, company number NI663222. Registered office: Bishop Street Chambers, 26–28 Bishop Street, Derry BT48 6PR.
Kearney Law Group only handles personal injury and clinical negligence claims.
We act for clients across Northern Ireland, including Belfast, Derry, Lisburn, Newry, Craigavon and Bangor. See all the areas we cover.
Contact us to arrange your free first conversation.
Belfast: Scottish Provident Building, 7 Donegall Square West, Belfast BT1 6JH
02890 912 938
Derry: Bishop Street Chambers, 26–28 Bishop Street, Derry BT48 6PR
02871 362 299
Email: [email protected]
Opening Hours:
Monday to Thursday 8am – 8pm
Friday 9am – 5pm
