My daughter and I were injured in a road accident, but it turned out that the driver’s MoT had run out and her insurance is void. What will our position be?
It’s possible that the insurance company will not entertain a claim from the driver because of the lack of an MoT, but it will almost certainly have to pay out to third parties such as yourselves. If there is no policy at all, a scheme run by the Motor Insurers Bureau would meet your claim. The insurance company may be able to claim back from the driver any money it has to pay out to you. You should see a solicitor specialising in personal injury claims urgently, since these cases can be complicated and you need to ascertain how much compensation you might be entitled to.