MIB Uninsured and Untraced Driver-Related Claims
Untraced and Uninsured Driver Claims
It is bad enough being injured in a non-fault car accident where the driver of the vehicle that caused the accident, is insured. At least then you can be pretty sure that when you start a personal injury compensation claim, that as long as you have an experienced firm of road traffic accident injury Solicitors working on your side, you will always recover the compensation that you deserve.
Untraced and Uninsured Driver Compensation Claims
What happens if you have the same type of accident and the other person turns out to be an uninsured driver?
What happens what if the other driver left the scene and is now untraceable, in other words, you are the victim of a hit and run.
Uninsured Driver Claims
A government organisation called the Motor Insurers Bureau (MIB) is an organisation that awards compensation to individuals that have been involved in a road traffic accident with a driver that was not insured, or fled the scene.
This is a serious issue. Every year, thousands of people in England and Wales are killed or injured due to drivers that do not have the correct insurance, or are uninsured altogether, these reasons being a catalyst to leave the scene.
Not only this but also these vehicles are more likely to be involved in collisions, as uninsured vehicles are continually utilised to conduct wider criminal activity. This is why the MIB works hard to crack down on uninsured drivers.
What should you do after being injured in a hit and run
If you have been involved in an accident with a driver who has fled the scene, you may be worried that you will not be able to make a claim. Our panel Solicitors can liaise with the Motor Insurers Bureau to approve your hit-and-run accidents, but there are certain things you will need to do.
Steps to take before making a claim with the MIB:
- Make sure you take the following steps:
- Report the incident to the police: Make sure you do this as soon as possible. You need to report the incident within five days.
- Make enquiries: Make an effort to see if you can determine who the driver of the vehicle is.
- Contact your own insurance company: If your vehicle has been damaged, it is important to contact your insurer.
- Get witness contact information: Get the contact details of anyone who witnessed the accident.
Steps to take if an uninsured driver has caused an accident and you have been hurt
If you have been involved in an accident with an uninsured driver, take the following steps to give yourself the greatest chance of securing the maximum compensation that is available to you:
- Make enquiries to determine whether the motorist is insured or not. You can use the MIB database to find out whether this is the case.
- Gather details about the driver and the vehicle. You should get the driver’s contact information, as well as making a note of the vehicle make, model, and registration plate.
- Get the contact information of any witnesses. Witness statements are extremely effective in boosting compensation claims.
- Take photos if there is any damage to the scene, it is a good idea to take a few photographs using your smartphone.
- Call your insurance company, if there has been any damage to your vehicle, it is important to call your insurance company to make a claim for the repair
- Collect as much information as you can regarding your financial losses. Make a record of all financial losses you have encountered due to the accident, and keep proof of them too. This includes any legal costs during the claims process.
Am I eligible to make a claim if the third party is an uninsured driver?
If you had a collision with an uninsured driver through no fault of your own, you may be eligible to claim compensation. However, the process can be more complicated. You can make a claim on your own insurance, but this will likely result in higher premiums and paying a large excess. A better alternative is to apply through the Motor Insurance Bureau (MIB) who provide compensation to victims of uninsured drivers and untraceable drivers.
Road traffic accidents (RTAs) can have a huge impact on your day-to-day life. From vehicle repairs to loss of earnings, it can put you under financial pressure which compensation can help you pay for. There can also be medical costs such as travel expenses or changes to your home as a result of injuries from the accident. Common injuries in RTAs include:
- Head injuries
- Brain injuries
- Spinal injuries
- Psychological trauma
- Broken or fractured bones
Everyone has a duty of care to make the roads safe for everyone. If this has been breached due to driver negligence and you have been injured as a result, you can claim compensation, whether the defendant has insurance or not.
The time it takes for an untraced or an uninsured driver claim to be processed and compensation to be paid by the MIB does depend on the complexity of the case. If your case is fairly straightforward, it may take a few months, but if it’s more complicated, it could take a lot longer. By requesting a callback with RU1NJURED, we can help give you a clearer picture based on your individual circumstances.
What should you do if the driver did not give you, their details?
If the driver of the other vehicle has refused to give you their details, you should lodge a formal complaint to the police. It is a criminal offence to refuse to give insurance details.
If you or a loved one have suffered an injury, in the last three years that you believe was someone else’s fault, contact us at RU1NJURED, our experience and expertise mean that we can help you to get the compensation that you deserve and enable you to get on with your life.
If you or a loved one have suffered an injury, in the last three years that you believe was someone else’s fault and wishes to make an untraced or an uninsured driver claim, then contact our panel Solicitors at RU1NJURED on 0800 955 18 27, or complete our enquiry form.
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