The worst offending areas for uninsured driving in the UK have been revealed – as a hit-and-run victim described how he was “left for dead” with catastrophic injuries.
Every 20 minutes, someone in the UK is hit by an uninsured or hit-and-run driver, the Motor Insurers’ Bureau (MIB) said, based on claims from over 26,000 victims each year.
Every day, at least one person is so seriously injured by an uninsured or hit-and-run driver that they need life-long care and every week, at least one person is killed by an uninsured driver, according to the bureau.
Thurrock in Essex is the worst offending area for uninsured driving, according to claim data from the MIB, a non-profit organisation created to protect people from the impact of uninsured and hit-and-run drivers.
Four different postal areas in Birmingham are among the 15 hotspots highlighted by the MIB, with areas in Peterborough, Manchester, Belfast and Havering also named due to housing a large number of defendants per 1,000 residents.
The 15 worst postal areas for uninsured driving
• 1. Thurrock (RM19)
• 2. Birmingham (B25)
• 3. Birmingham (B18)
• 4. Peterborough (PE1)
• 5. Sandwell (B66)
• 6. Havering (RM1)
• 7. Birmingham (B21)
• 8. Manchester (M18)
• 9. Birmingham (B35)
• 10. Belfast (BT17)
• 11. Epping Forest (IG7)
• 12. Belfast (BT13)
• 13. Buckinghamshire (HP18)
• 14. Bradford (BD7)
• 15. Luton (LU1)
One of the victims of an uninsured driver is cyclist Cahal O’Reilly, 55, who was five miles from the ferryport in Holyhead, Wales, when he was hit from behind in September 2021.
He was thrown on to the windscreen and 20m through the air until he landed on the side of the road, seriously injured.
The uninsured driver, who police estimate was driving at 70mph, fled the scene.
‘Left for dead’
“I was left for dead, bleeding to death on the side of the road,” Mr O’Reilly told Sky News.
“Nobody knows how long I was on the floor for. When I came to my senses, I could taste my own blood and feel the road on my cheek.”
He realised he was “pretty seriously injured” when he could not move his ankles, and lay still until help arrived.
A passing motorist, who initially thought Mr O’Reilly’s lifeless form was debris before realising it was a body, called the emergency services.
Mr O’Reilly was left with serious injuries, including a broken back and neck, shattered pelvis, smashed bone in his leg, and dislocated shoulder and required several surgeries in the days after the crash.
“I suffered a polytrauma, which is multiple horrendous injuries,” Mr O’Reilly said. “The police said if I hadn’t been wearing a helmet, I would be dead, and officers didn’t think I would make it.
“The hospital consultant told my wife that most people don’t survive the impact, the time until the ambulance arrives, and 22 hours of operations in 48 hours.”
Doctors had to use rods to reconnect Mr O’Reilly’s knee and ankle on his right leg, as the bottom of his foot “was just hanging on by skin and muscle”, and use an arterial skin graft from his left arm to help patch up the damage to his smashed leg.
Mr O’Reilly, who lives in Wandsworth, south London, also had to wear a neck brace for more than five months to stabilise his shattered neck and had to learn how to walk again, with serious setbacks on the way.
‘Challenging’ recovery
“My pelvis and back fused and healed very quickly, but my leg took the main force of initial impact, with bits of my leg tissue found in the headlight of the car,” Mr O’Reilly said.
Just when he started seeing some progress in the rehab for his leg, about 18 months after the crash, doctors discovered that the metal work supposed to hold the bones together was falling apart, causing a serious infection in his leg.
Mr O’Reilly required another surgery and was told that if the bone did not heal, his leg would have to be amputated.
Four years on from the horrifying crash, he was told that his bone had finally fused last month.
“If you walk past me in the street, you wouldn’t know now, but the process to get there was very difficult and psychologically quite challenging,” Mr O’Reilly said.
The former British Army major hopes he will be able to return to work as a business consultant next year.
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He is now campaigning with the MIB to stop uninsured drivers from hitting the roads, as he wants “nobody to go through what I had to go through”.
“We have to do something in this country,” he said. “People are morally making a choice where they don’t care about their fellow citizens and fail to insure their car and make sure it is properly taxed. Something like that is a social responsibility.”
£1bn cost of uninsured drivers
Uninsured driving costs the government £1bn a year, including compensation for victims, emergency services, medical costs and loss of productivity.
An uninsured vehicle is seized every four minutes across the UK, with almost 120,000 seized so far this year, the MIB said.
Police can issue a fixed penalty of £300 and six penalty points to anyone caught driving a vehicle they are not insured to drive.
If the case goes to court, the penalties can increase to an unlimited fine and the culprit can be disqualified from driving.
Police also have the power to seize and, in some cases, destroy a vehicle that has been driven uninsured.
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The bureau has launched a week-long road safety initiative in collaboration with police forces across the UK, including targeted enforcement in problem areas and public education to urge people to check their insurance status.
“Our aim is to end uninsured driving, which means working closely with the police across the UK to remove dangerous vehicles from our roads,” Martin Saunders, head of enforcement at MIB, said.
“At the same time, we are ramping up our support for motorists who want to drive legally, providing them with the knowledge they need to have the right cover in place.”
