The Supreme Court found that this was a «fundamental feature» of the statutory compulsory insurance scheme in the United Kingdom, and that it did not grant the victim of a motor vehicle accident a direct right to an insurer with respect to the driver`s underlying liability. The only direct right against the insurer is the right to require the insurer to render a judgment against a driver, but only when the driver`s liability has been established in the course of a court proceeding. In addition, it was found that the 2003 untraced drivers Agreement (applicable in this case) was assumed that a judgment against the driver could not be obtained if he could not be identified and that there was therefore the sole remedy against the MIB and not the insurer. Ms Cameron first sued the owner of the vehicle before changing her procedure to add a lawsuit against LV. In its defence submission, LV denied that it was likely to proceed with an pending judgment against the owner, as there was no evidence that he was the driver at the relevant time. Ms. Cameron then requested that her application form be amended to replace the owner: «the unknown person who drives the Y598 SPS plate and who collided with the KG03 ZJZ license plate on May 26, 2013.» The appeal was dismissed and Ms. Cameron was summarily tried. A judge dismissed Ms. Cameron`s appeal. As a result of the appeal process, the Court of Appeal granted the majority of the complaint (Gloster and Lloyd Jones LJJ, Sir Ross Cranston contradicted) and issued several follow-up orders.
LV appealed to the Supreme Court and the MIB intervened. The MIB reviews the claim and can either refuse the right or make an offer. A refusal to accept the same thing or an appeal for refusal of payment lead to a decision of an arbitrator which, if not accepted, is followed by a hearing by an arbitrator (a Queens Council chosen from a designated body). The new agreement establishes a system for approving a transaction for an infant or person unable to work. Statute of Limitations follow the 1980 Statute of Limitations (three years for assault); While the previous agreement initially had a shorter statute of limitations (2 years), it was then amended so that the new agreement does not change the law. An action against the Mib is considered a last resort for victims of road accidents who have no other means of compensation because the driver of a vehicle is not insured or untreated.