Any person who is a resident of an EU Member State, or Norway, Iceland or Liechtenstein, who is involved in a UK road traffic accident involving a UK registered motor vehicle or trailer may now sue the vehicle’s insurer. The Insurer ‘shall be directly liable to the entitled party to the extent that he is liable to the insured person. This adds to any right he may have against the driver. ECRAIR gives effect to the 4th Motor Insurance Directive to harmonise the laws relating to civil liability in the use of motor vehicles. ECRAIR goes further than the Directive by giving the right of direct action to all UK residents involved in domestic road accidents.