Uninsured and Untraced Accident claims
A large number of drivers in the UK disregard the law and drive without proper insurance cover. In addition, drivers of hit and run accidents are often difficult to trace leaving innocent victims not knowing how to pursue a claim for compensation in respect of their injuries and losses.
An organization called the Motor Insurers Bureau (MIB) has been set up to ensure that people who were injured as a result of an accident involving an untraced or uninsured driver can recover compensation.
Where a victim has been injured by an uninsured driver the MIB may award compensation, but, it is in the first instance, necessary to establish fault against the uninsured driver. Once fault has been established, the MIB will then consider making an award of compensation for injuries, financial losses and they will also meet your legal costs in full.
Where a driver leaves the scene of an accident or refuses to give their insurance details , you must report the accident to the police within 14 days if you wish to pursue a claim for personal injuries or within 5 days in respect of a claim for property damage. When reporting the matter to the police it is important that the police provide you with a written receipt confirming the incident/reference number. You must wait until the police and your own insurance company have exhausted all avenues in trying to locate the hit and run driver before you can make a claim for compensation with the MIB. The MIB will pay some, but not all of your legal costs, when pursuing a claim under the Untraced Drivers Agreement Scheme.