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Common road accident questions

Find answers to frequently asked questions about road traffic accident claims, including what you should do, claiming against an uninsured driver and seatbelt laws.

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Road Accident FAQs

Road traffic accident claims can involve drivers, passengers, cyclists, pedestrians, uninsured drivers and poor road conditions. These FAQs explain some of the most common issues that can arise after a collision.

You can find guidance on what to do after an accident, how claims against uninsured drivers work, when the Motor Insurers’ Bureau may be involved and how factors such as seatbelt use or road defects can affect a claim.

After a car accident, you should stop safely, check for injuries, exchange details, report the accident where required and gather evidence. These steps can protect your safety and support any later claim.

Read what to do after a car accident →

You may still be able to claim if the driver who caused the accident was uninsured. These claims are usually handled through the Motor Insurers’ Bureau, which compensates eligible victims in specific circumstances.

Find out how claims against uninsured drivers work →

The Motor Insurers’ Bureau helps compensate people injured by uninsured or untraced drivers. The guide explains when the MIB may deal with a claim and what evidence may be needed.

Learn more about the Motor Insurers’ Bureau →

Poor road conditions can contribute to accidents, but a successful claim depends on proving the responsible authority failed to take reasonable steps to maintain the road or deal with a known hazard.

Read about claims for accidents caused by road conditions →

Not wearing a seatbelt does not always stop you claiming, but it may reduce your compensation if it made your injuries worse. This is usually considered under contributory negligence.

Find out how seatbelt use can affect a claim →

Nicholas Tate

Last edited on 22nd May 2026

With over 15 years’ experience in the legal sector, Nicholas Tate (LLB Hons, LLM in Health Law) has extensive experience across all areas of personal injury and medical negligence claims.