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MORE INFORMATION ABOUT
DRIVERS WHO HAVE NO INSURANCE
Many people believe that if a car is uninsured then you
have no claim against the driver. Fortunately this is not the case in the
UK.
There is still a way you can obtain
rightful compensation but the process can be more
complicated than claiming directly from an insurer. The
MOTOR
INSURERS BUREAU (or MIB) is an industry led
organisation set up to compensate victims of accidents
involving uninsured or untraced motorists.
The initial objective for the MIB was
to compensate innocent parties for personal injury. Now
they also deal with property damage claims subject to an
excess of £300 being applied.
The MIB operate two "schemes" known
as the UNINSURED DRIVERS AGREEMENT
(which concerns accidents with drivers who have no valid
insurance) and the UNTRACED DRIVERS AGREEMENT
(which deals with hit and run cases). Because these
claims can be complicated it is important that an MIB
specialist solicitor deals with your case to ensure that
you get the compensation you deserve.
There are certain rules to comply
with that differ from normal claims involving insurers
and it is vital that your
personal
injury claim lawyers are well versed in dealing with
the MIB schemes. We have a panel of MIB specialists who
can help you with any claim involving
"Hit
and Run" driver road accidents or those involving
people with no insurance.
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ALSO read our "what
you must do if you are involved in a car accident"
page
If you find yourself in a situation where the
responsible driver involved in a collision with your
vehicle is uninsured:
Contact us today on 0800 0322210
for advice.
Anyone suffering an injury in such an
accident can and should make a claim for compensation.
The MIB will deal with your case but it is strongly
recommended that you instruct a specialist solicitor to
help you with the claim. Contact our accident claim
helpline today and let us provide you with the advice
that you need.
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CAR ACCIDENT WITH AN
UNINSURED DRIVER - CASE STUDY
Our claimant in this particular case
was involved in a road accident when the driver of a
third party vehicle struck his own vehicle forcibly in
the rear.
The damage to both vehicles was
extensive and the claimants vehicle was eventually
written off. He also suffered severe whiplash injuries
and had to take time off work as a self employed
builder. To make matters worse for the claimant, he soon
found out that the negligent third party, despite being
friendly and helpful following the accident, did not in
fact have any motor insurance covering him to drive his
vehicle.
It had just been purchased and he had
not got round to obtaining his policy. He was driving
illegally. This left the claimant in difficulties
regarding his claim for losses that were not insured
such as his excess and lost earnings. Not to mention his
whiplash related pain and suffering.
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The claimant phoned The Claims
Connection and we were able to provide him with some
good news regarding his situation. In the UK we are
fortunate to have a formal body called the "Motor
Insurers Bureau" (MIB) set up to handle claims from
victims of either untraced or uninsured drivers. The MIB
was formed in 1946 and runs a number of schemes or
"agreements" that have been formally ratified by
Government. The basic role of the MIB is to provide
rightful compensation to those people who suffer loss or
harm following an accident with hit and run drivers or
drivers that do not have any motor insurance.
They also have a scheme covering
accidents abroad. We have a legal team that specialise
in MIB
road accident compensation claims and so were were
able to make substantial progress for the claimant by
recouping the uninsured losses and arranging for a
medical examination to assess his whiplash injury.
The
doctor completed his assessment and sent a report to
both sides. In the same way that you agree on the
medical findings with insurers in normal cases, you
similarly agree the claim details with the MIB who then
provide you with an offer of settlement. The offers are
generally on a par with the figures you might expect
when negotiating with insurers. This case was finally
settled for £3000 including all uninsured losses and the
claimant went on to make a full recovery. All legal
costs were paid by the MIB.
Summary - The MIB is a much
needed outlet for innocent accident victims. Negotiating
claims with them can be tough and the complexities
involved with the various agreement rules must be
properly understood and adhered to. It is strongly
recommended that you only use only experienced MIB
solicitors to handle claims of this nature. NOTE - the
MIB Untraced Drivers agreement (relating to hit & run
accidents) involves different rules and has a limitation
on legal fees. We charge 25% inc of vat for all Untraced
(Hit & Run) claims. Please be aware of its distinction
from the Uninsured Drivers agreement discussed here.
The
worst areas for this kind of offence (according to the
British Insurance Brokers Association are East London,
Manchester, Liverpool and Birmingham.
Read the official Road Accident statistics 2006/2007
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MORE LINKS -
road traffic
accident -
cycle accident -
motorcycle rider accidents -
road safety research
- brake road
safety -
rospa
- road safety
uk - car accident
injuries
Dont be the victim twice over
- if you have been involved in an accident where the
responsible driver has no insurance you can still claim what is
rightfully yours.
Call our FREE legal careline now on
0800 0322210 open 8am-8pm
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