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Hello my name is ***** ***** I will help you with this.
Have you reported this claim to your insurers?
Just to be clear, this is called an LVI - low velocity impact. The other driver person has three years to bring a claim under the limitation act.
Lvi claims are quite common but it would be for them to prove that you were negligent and that the impact caused the injuries.
Usually you would have foresnwic engineering evidence to show forces of impact, deformity of bumpers etc and likelihood of energy to be transferred to the body.
Can I clairfy anything for you about this today please?
If the person was driving illegally that that may well be a defence. But the fact is if you went into them then you were negligent.
There may be mitigation for contributory fault. But because they were not insured does not make the claim invalid in itself.
Does that clairfy?