Under section 151 of the Road Traffic Act 1998, what must a claimant have to make a direct claim against the insurer of the negligent driver?

Under section 151 of the Road Traffic Act 1988, a claimant must have an unsatisfied court judgment against the negligent driver in order to make a direct claim against that driver's insurer. This legal requirement is in place to ensure that a claimant has followed through with the judicial process and that the liability of the driver has been established in a court of law before insurance claims can be pursued directly with the insurer.

By having an unsatisfied court judgment, the claimant demonstrates that they were unable to obtain compensation from the driver through traditional means, thereby justifying a claim against the insurer. This process provides a formal route for victims of negligent driving to seek redress while protecting insurance companies from baseless claims that have not undergone judicial scrutiny.

The other options, while they may seem relevant to the claims process, do not fulfill the specific statutory requirement necessary to establish a direct claim under this section of the law. For instance, a police report, an admission of liability, or evidence of damages alone does not provide the same legal standing as a court judgment to compel an insurance company to pay out a claim.