Which statute allows a third-party victim of a motor accident to claim directly against the motor insurer of the negligent driver?

The statute that enables a third-party victim of a motor accident to claim directly against the motor insurer of the negligent driver is the Road Traffic Act 1988. This piece of legislation was designed specifically to protect victims of road traffic accidents by ensuring that they can seek compensation directly from the insurer of the driver who caused the accident.

Under the Road Traffic Act 1988, there are provisions that require drivers to have insurance that covers third-party liability. This means that if a driver is involved in an accident and is found to be negligent, the victim can pursue a claim directly with the motor insurer without needing to first go through the driver’s personal assets. This access simplifies the process for victims seeking compensation and provides a level of assurance that funds are available for damages incurred in the incident.

The other statutes mentioned do play important roles in insurance and compensation law but do not specifically offer the mechanisms laid out in the Road Traffic Act 1988 that allows direct claims against insurers for third-party victims in the context of motor accidents.