If you have been involved in an accident with a hit and run driver you may be left wondering what your options are regarding a possible compensation claim. Most people believe that when you are in this position - there is little that can be done to recover your damages for loss or personal injury.
Fortunately, there is still a way that you can make a successful claim if you are the victim of an incident where the other driver fails to stop at the scene. The Motor Insurers Bureau (or MIB) is a non-profit organisation that was set up and is funded by UK insurers specifically for the purpose of helping hit and run accident victims. You do not necessarily need a lawyer to assist you with a claim against the MIB but it is recommended that you seek representation to ensure you are fully compensated. The MIB are after all, just like any other insurance company: they do not offer you a blank cheque, you need to know you're rights and understand the process.
Fortunately, in the UK there is still a way that you can make a successful claim if the other driver fails to stop at the scene.
Hit and Run claims – What you need to know
All the information you need to make a claim following your road accident
Hit by a vehicle that did not stop?
If you have suffered a personal injury following a collision with a vehicle and the driver does not stop or leaves the scene quickly – you can still claim compensation for your injuries. Such incidents are known as “Hit and Run” cases.
The Motor Insurers Bureau (MIB) a body funded by UK motor insurers has been set up to provide much needed support and compensation for victims of hit and run driver accident.
How can you make a claim against a Hit and Run driver?
The MIB will deal with your claim but subject to very strict criteria:
You must report the matter to the police within 14 days (personal injury claims only)
You must make a claim to the MIB within 9 months of the incident
What type of “Hit and Run” accidents do the MIB deal with?
The MIB will handle claims involving, vehicle drivers, their passengers, motorcyclists, pedal cyclists and pedestrians. The vast majority of cases involve car drivers and front seat passengers.
How long do Hit & Run cases take to settle?
Minor injury cases can be concluded within 6 months. But where an injury is serious (to you or other parties involved in the accident) or where police investigations continue, it is likely that the claim may take much longer to conclude. Once investigations into liability are complete you then have to assess the injuries sustained and this can involved medical investigations which again take time.
The key thing to remember here is that getting the right settlement and ensuring your needs are well catered for, is far more important than settling the case quickly.
Will my Hit and Run claim be paid in full?
In most cases the MIB will pay you 100% of your compensation (Note this does not mean that you will receive the whole amount as your legal fees also need to be contributed to) but where liability is disputed they may reduce the payment to reflect any negligence that may apply to you. Not all Hit and Run accidents are completely the fault of the driver who leaves the scene. Whilst it may be somewhat hard to stomach, the MIB take the view that when it comes to liability, the hit and run motorist has a right to defend himself. Ultimately if they can argue for a percentage reduction they will of course do this but not without substantive reasons.
What you should do after a hit and run accident
Try your best to record the registration plate of the responsible party's vehicle - check any number against this database http://www.askmid.com/. Try to record details of any witnesses who could be crucial to your claim.
Report the case to the police as soon as possible if they are not already aware of the accident. This is of great importance to the MIB and your claim could be refused if you do not follow this advice.
Ensure that you receive medical attention if you have suffered injuries in the accident. A hospital or GP record is useful in the MIB process. However the primary objective is to make sure you get adequate medical advice when it is needed.
If possible - take photos of the accident scene (or ask a friend to do so) to assist with any liability dispute.
Obtain a repair estimate on your vehicle. An engineer will probably inspect the damage at some point during the claim but an estimate provides a useful guide for repair costs.
Contact us for a free, no obligation enquiry about your case. You may be able to claim compensation on a no win, no fee basis.
The MIB also deal with uninsured driver claims. It is now possible to claim both personal injury compensation and property damage under the MIB hit and run accident scheme (known as the Untraced Drivers Agreement) subject to some restrictions.
Why choose us?
We are specialists in Hit and Run claims and can help you claim for damages that you perhaps thought would otherwise be impossible to receive. It is important that you involve the police and properly report the accident to them. In the majority of cases, the police will be unable to do very much because of a lack of evidence but nevertheless the MIB (The Motor Insurers Bureau) insist on a police record of the event. Please be aware that the one drawback in dealing with the MIB under the Untraced Agreement is that they do not pay your legal fees - they merely make a contribution towards them. For this reason we charge a fee equal to 25% of any compensation awarded in order to deal with a hit & run case.
The French government has placed an indefinite delay on the imposition of fines for motorists who do not carry a breathalyser kit.
A fine of €11 was due to be imposed from March on all drivers in France, including those from overseas, who did not have a breathalyser kit in their vehicle. Now, the French minister of interior has said that, though the carrying of the kit is still required, there will be no legislation to enforce a fine for non-compliance.
The imposition of the fines had already been delayed from last November because of a shortage of kits but motoring groups, including the Institute of Advanced Motorists, still recommend that British drivers take one across with them if driving in France. The law applies to all road users apart from those on mopeds.