Written by Chris Salmon on 17th August 2023
If you've been injured in a cycling accident involving a foreign-registered vehicle, you should still be able to claim compensation.
While the process might seem more complicated than dealing with a UK-registered car or driver, your solicitor will be familiar with the process.
What should I do if I'm injured in an accident with a foreign-registered vehicle?
If you're injured in an accident involving a foreign-registered vehicle, you should follow the same steps as you would for an accident with a UK-registered car.
This includes collecting details about the accident, such as the vehicle’s registration number, the driver’s contact information, and insurance details.
For more information on what to do after a cycling accident, see our guide: “Essential steps to take after a cycling accident”.
If the vehicle is from a Green Card Free Circulation Area, you can make a claim against the foreign insurance company for your injuries and financial losses. Foreign insurers are required to appoint a UK representative to handle your compensation claim.
To identify the foreign insurer’s UK representative, you can visit the Motor Insurers Bureau (MIB) website and use the vehicle’s registration details or Green Card number. Once you find the representative, you can start your injury claim with them.
What is the Green Card system?
The Green Card system is an international motor insurance certificate that proves a vehicle is insured when it travels across borders. This system covers nearly 50 member countries, including the UK, much of Europe, parts of Asia, and North Africa.
In the UK, the Green Card system is administered by the MIB. When a foreign vehicle enters the UK, the Green Card acts as proof of valid insurance, ensuring that drivers from abroad can be held accountable if they cause an accident.
Do all foreign drivers need to carry a Green Card?
Vehicles registered in European Economic Area (EEA) countries, as well as Andorra, Bosnia & Herzegovina, Montenegro, Serbia, and Switzerland, do not need to carry a Green Card. This is because these countries are part of the Green Card Free Circulation Area, meaning they are automatically covered for cross-border travel.
UK-registered vehicles also don’t need a Green Card when driving in these countries. However, drivers from other Green Card member countries must carry their Green Card when entering the UK.
What happens if the foreign insurer can’t be identified?
If you cannot identify the foreign insurer or the vehicle is uninsured, the Motor Insurers Bureau (MIB) will handle the claim, much like they do with uninsured or untraceable UK drivers.
The MIB provides protection for people injured by uninsured or untraceable vehicles, ensuring you’re not left without a means to claim compensation.
Can a solicitor help with foreign vehicle injury claims?
Yes, working with a solicitor can greatly simplify the process of making a compensation claim against a foreign-registered vehicle. A personal injury solicitor who specialises in cycling accidents can help you understand your options, gather evidence, and navigate the complexities of international insurance.
Many solicitors offer a no win, no fee arrangement, so you won’t need to worry about upfront costs. During your free consultation, a solicitor will review your case, explain your rights, and guide you through the steps needed to make a successful claim.
Conclusion
Being injured in a cycling accident with a foreign vehicle doesn’t mean you can’t claim compensation.
By understanding the Green Card system and the role of the Motor Insurers Bureau, you can navigate the process more easily. If the vehicle’s insurer can be identified, you can make a claim directly with their UK representative. If the vehicle is uninsured or the insurer is untraceable, the MIB will step in to handle your claim.
Get the compensation you need
Our panel of solicitors regularly represents cyclists involved in accident claims, from minor injuries to severe cases such as limb loss and brain trauma.
With extensive experience in handling no win, no fee claims involving foreign-registered vehicles, we understand the unique challenges these cases can bring. We actively campaign for safer roads and support clients throughout their recovery journey. This includes securing the best rehabilitation and financial compensation package, with interim payments arranged wherever possible to ensure you’re fully supported every step of the way.
Contact us today for free, expert legal advice on making a compensation claim.