Genuine motor accident victims are being denied their proper entitlement to compensation
In early 2013 the government was alerted to the problem that serious injuries were occurring every year in circumstances that (wrongly) fall outside the scope of the UK provision for compulsory third party cover. Unfortunately the Minister for Transport chose to do nothing about it. Although there are no official statistics to confirm or refute this phenomenon, I have been consulted in at least ten instances in recent months and this leads me to suppose that these incidents are not uncommon.
Without compulsory third party insurance, a victim is exposed to recovering a nugatory share of their full entitlement to damages and sometimes nothing at all.
Last week I was distressed to learn of yet another case where a vehicle insurer managed to browbeat a victim who was knocked down and seriously injured on a school driveway into accepting a token payment on the basis that their policy restricted cover to use in public spaces (even though the restriction was unlawful). Effective EU law remedies exist that could have prevented this outcome.