Claim compensation for hit and run car accidents or from uninsured drivers

42 questions have been answered below, , why not ask your own?

Unfortunately, there is a hardcore minority of uninsured or illegal drivers on the roads of Great Britain. Whilst the vast majority of us drive cars legally, paying expensive insurance premiums, road tax duty and with MOTs, there are some who for whatever reason, decide not to be so honest and law abiding.

In usual circumstances, when a road traffic accident happens, the two drivers speak to each other and the driver responsible for the accident provides details of his insurers to the innocent party. They can then make a claim for their injuries and car damage against the liable driver’s insurance via a company like us.

However, in the case of a hit and run or uninsured driver causing an accident, there is no insurer to claim from. Most people assume you can do nothing and will have to claim against their own comprehensive insurance for the damage to their vehicle. If you have comprehensive cover, you can do this, but you will probably lose your excess and certainly can’t claim for injuries.

So, what if an illegal driver crashes in to you and either doesn’t have insurance, or speeds off before you have the chance to get their registration number? How can you still claim compensation?

Motor Insurers Bureau to the rescue

Don’t despair! There is a body set up to provide access to compensation for just this kind of incident. They are the not-so-well known ‘Motor Insurers Bureau‘ or MIB. The MIB are funded by the insurance industry by way of a minimal donation from each sold insurance policy to the MIB. The MIB act as a quasi insurer in handling such claims and investigate them and where applicable, provide medical rehabilitation to injured claimants and compensation payments including loss of income etc.

Report the accident to the police asap

So now you know about the MIB, but what criteria do they use to evaluate whether or not a claimant has a valid claim? In MIB claims, it is vital – absolutely vital – that an incident is reported to the police and that an incident reference number is issued to the claimant. In the case of hit and run accidents the police should be notified immediately where possible, and certainly following any emergency medical treatment.

Instances where a driver provides what seems to be genuine insurance details which later turn out to be fake, the police should be told as soon as this fact becomes known.

To warrant a claim, the claimant must have received professional medical treatment for their injuries from a hospital or GP, and the injuries must be adequately severe (usually a minimum recovery period of 4-6 weeks).

42 questions have been answered below, why not ask your own?

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Questions & Answers


  1. Deborah

    I was involved in an accident on Friday when a van illegally drove on the wrong side of the road to overtake the single lane traffic. I was turning right out of a side road when stationary traffic on each side of the road stopped to let me out, before I could clear the turning the van swerved in front of me from the wrong side of the road and smashed into my car damaging the front and passenger side. I managed to get his number plate as did a witness to the crash who was in the stationary traffic that the at fault drivers illegal overtook. My insurance company won’t pay out as my car was a damage repairable when I bought it, even though they knew this they have now voided my insurance. I have contacted the insurers of the hit and run driver, but they say they need to speak to him to assess liability. I reported this to the police immediately after it happened. What can I do?

    Reply
    • Ian Morris

      We can only assist in matters that involve a personal injury – whether physical or emotional. Therefore, if you were uninjured, we can’t advise you.

      However, if you were injured you should still be able to pursue a claim for personal injury compensation – if you have a witness (and can provide their details) to corroborate the version of events you have given here.

      We would be happy to discuss this further with you. Please call us on 01225430285 or we can call you when you are available if you would prefer.

      Reply
  2. robert

    I was hit from the rear hard while stationary at a red light pushing me into the car in front. Three police officers and an ambulance attended. In the ambulance a police officer gave me the details regarding the car in front and said I would be contacted that evening regarding details of the vehicle that hit me. To date, two days later, nobody has rang. I was given an incident number at the scene then taken home by the police. Can I assume that as there was a police presence they will have taken details such as car registration number, name and address, that I can pass on to my insurers?

    Reply
    • Ian Morris

      Given the police and ambulance attendance at the scene of your road traffic accident, one would imagine that the police have taken the relevant details.

      As you have a police incident number, you may wish to make contact with the Police to obtain the vehicle registration of the car that caused the collision. As you were pushed from behind in to the car ahead of you, the car ahead of you may wish to claim for their loss or injury from your insurers. However, your insurers will wish to pass liability to the vehicle that caused the accident – the one behind you, so obtaining the registration details would be helpful.

      If you were injured in this incident, you may prefer to keep any personal injury claim separate to the vehicle claim and instruct an independent specialist personal injury expert – such as Direct2Compensation and the Solicitors with whom we work – to act for you in terms of a claim for personal injury compensation. If so, please call us on 01225430285.

      Reply
  3. Sadie

    Hi Ian,

    I was in stationary traffic this morning and was rear ended by a woman, due to me just passing my test, I wasn’t sure on what details to get and the woman gave me her name and number. I went to the hospital and have been signed off with whiplash. The number the woman gave me appears to be fake. Is there anything I can do?

    Reply
    • Ian Morris

      Did you manage to get her registration number? If so, it will be possible to identify the 3rd party via that and we could help you claim compensation against the insurers on a No Win No Fee basis.

      If not, you should report the incident to the Police in order to obtain a Police Incident Reference Number. We would then be able to help you claim compensation via the Motor Insurers Bureau ‘untraced driver’ scheme.

      Please call us on 01225430285, we can certainly help you claim compensation and explain your rights and options after your accident this morning.

      Reply
  4. James

    My wife, with a friend in passenger seat, were in stationary car on road and was ran into (minor damage) by a young lad driving fast and erratically who admitted liability and offered to pay from his wallet. My wife took a photo of his registration. My wife said the cost would be more than he had in the wallet and asked him for insurance details and he agreed. When she went to get details she smelt a strong smell of marijuana coming from the car. The other lads said they hadn’t been smoking but when my wife said she was calling the police to get them involved the driver said he was leaving and drove off, having not given details. My wife has reported this to the police. What happens next?! How will this affect our insurance premiums/no claims etc?

    Reply
    • Ian Morris

      This should not impact on your insurance premiums if you claim against the 3rd party. Given that you have his registration, the Police should be able to advise you as to whether or not the vehicle was insured. If the 3rd party was not insured, you will have to claim against your own insurance, but this will not impact on your premiums if you have protected no claims bonus. However, if not it could see your premiums rise a little.

      If your wife and her friend were injured in any way (perhaps they have neck pain, stiffness in the shoulders, upper back etc), they can make a claim for personal injury compensation whether the 3rd party was insured or not. Please call us on 01225430285 to find out how we can assist with personal injury compensation claims.

      Reply
  5. Shaz

    Hi Ian,

    A chap crashed into me into the rear of my car while I was stationairy in traffic on a red light. The chap was coming from the top of the hill and was doing 20-25mph and slammed into back of the rear of my car, breaking too late. I myself the driver and my friend who was the passenger both sustained injuries. Injuries such as bruised ribs, shoulder pain from the seat belt, and we both had to attend A&E, where we was told we received soft tissue injuries. I took painkillers for a while and also was off work for a week because of this. Thankfully I did report the incident to the police on the same day, and they have given me a incident number. It turns out the chap who hit into us, was not insured on the vehicle. The injury document said I was entitled to compensation of a certain amount, however since the chap wasn’t insured at the time, i’m not sure if i will receive that compensation money. Also since he was driving without insurance, i’m wondering if he could get a ban. If you could get back to me with your excellent expertise, I would love to hear from you.

    Reply
    • Ian Morris

      If the offending 3rd party driver was uninsured, you have not got an insurer to pursue your claim against. However, there is a scheme available for those injured by uninsured drivers and this is operated by the Motor Insurers Bureau (MIB). We can assist with this as our specialist panel Solicitors are experts in handling such claims. If you wished to instruct them, they would run such a claim on a No Win No Fee basis meaning that you would pay nothing if your claim were to fail – and given that you have reported the incident to the Police on the same day and attended A&E regarding your injuries, there is no reason to see that you would not succeed – but if you were to succeed, you would face contributing up to 25% of any award made to you towards the cost of the claim. If you would like us to help with this, please either call us on 01225430285 or use the ‘start a claim’ page of our website and we’ll call you to discuss this matter.

      It is worth noting that you do not need to instruct a Solicitor to pursue a claim via the MIB as you can apply directly to them. If you pursue a claim directly, you will pay nothing if you lose and not have to contribute up to 25% of any award you receive.

      Whilst having a specialist Solicitor acting for you is no guarantee that you will receive a higher claim value, you can be certain that your rights will be represented fully and that you are given the best chance of succeeding with a claim. We would always suggest that instructing a specialist Solicitor to act for you is a prudent move, but it is important that you know your options.

      Reply
  6. Andrew

    I drove into the back of another vehicle at speed but it was their fault they drove off. My car is written off. I have been to the hospital and have suffered badly bruised ribs and muscles all over my torso. Can I claim anything? Thanks.

    Reply
    • Ian Morris

      If you have driven in to the rear of another vehicle, it will be very hard to prove that you were not at fault. The highway code requires the vehicle behind to be able to stop safely and to allow sufficient braking distance. If you are of the view that the other car was at fault, there will need to be some evidence to support this. Was this reported to the police at the time? Did any of the witnesses give statements? If the other car suddenly pulled out on you, you could potentially claim for injuries via the Motor Insurers Bureau untraced driver scheme.

      Reply
  7. Callum

    I was recently driven into by a delivery driver, we swapped insurance details and i’ve tried to make a claim but have been told the driver is uninsured due to gross negligence of their vehicle. I was in my vehicle at the time so I didn’t sustain any injury’s but would like to claim for the damages to my vehicle without doing so on my own insurance. The delivery driver worked for DPD and they are no help to the situation what are the next steps I can take ? Many thanks

    Reply
    • Ian Morris

      Sadly we can only assist if there is a personal injury to pursue a claim for and cannot advise as to how you handle claims for damaged property such as your car. The best bet would be to speak with your insurers legal department and see if they can hold the company for whom the delivery driver was working liable.

      Reply
  8. Sharon dunlop

    Hi my husband and sister were involved in car crash the driver drove off and is denying causing the crash they both had severe injuries reported incident to police and both attended and still attending hospital. Are they eligible for a claim?

    Reply
    • Ian Morris

      In this situation, both your Husband and Sister would appear to have valid claims for personal injury compensation and we would be happy to assist with the pursuit of these matters. Given that the other driver has fled the scene and the Police have now been involved, it would appear that the fault for the accident and therefore liability in any claim could be attached to the 3rd party driver.

      Reply
      • Sharon

        Hi I’m really sorry I missed your call the police have now informed us that the person involved is now saying he was there but denying hitting my husband’s car, would they still be able to claim for injury?

        Reply
        • Ian Morris

          If the offender denies being the cause of the incident or even being a party to the incident and the police cannot prove that they were, that person is likely to escape responsibility. However, if so, all will not be lost as you could look in to making a claim via the Motor Insurers Bureau scheme for the victims of injury caused by uninsured or untraced drivers.

          Reply
  9. Kazeem Adeniya

    My wife got hit by another car while she was at a roundabout Turing into a new road. The car driver sped off immediately. Unfortunately there was no CCTV camera there. She reported the incident to the police and my insurer immediately. While disappearing, the driver little did my wife knows that they took the car registration number. Few weeks later, the driver’s insurers contacted our insurer with the intention of making a claim. We had intended to repair the car ourselves but with the claim being pursued against us by the other party should we make a claim with our insurer or go ahead with our own repair? The sad part is that our insurer is refusing to reveal the information of the car and driver trying to claim against us. Please advise

    Reply
    • Ian Morris

      You should immediately contact your insurers and ask to speak with their fraud department as the other party appear to be acting in a fraudulent manner with regards to their alleged claim against your wife.

      Reply
  10. Emma Lawrence

    The man who hit my car ran off and when police arrived at the scene I was told car stolen and fake number plates which probably means he had no insurance??
    My insurance company are being really awkward and making things really unpleasant and saying I’ve to pay this and that and I have to pay rest of,years premiums!!
    I’ve got fully comp car insurance and. I’ve got crime number off police I really need some help and advice ASAP

    Reply
    • Ian Morris

      We can help you claim personal injury compensation even if you were injured by an uninsured and untraced driver. However, we can’t assist if you were not injured. With regards to your vehicle and the damage caused to it, if you have fully comprehensive insurance you can claim from that to cover your loss (albeit you are claiming against your own policy), but to be able to do that, you would need to pay for your insurance cover in full so if you pay by instalments, the Insurers will want you to settle the cost of your policy before they’ll pay out for the repair or loss of your car.

      Reply
  11. Sarah

    I was driving on a learner licence and was hit by a guy who’d let a 16 year old drive his van, the van had fake number plates, but I traced his address. I didn’t go to police but gave insurance details I got book price on car, I’ve been left with lots of spinal damage, incontinence and many other problems, had to give up my business and deferred half way through a nursing degree. I’m now classed as disabled. I didn’t report to police, I was frightened.

    Reply
    • Ian Morris

      Your failure to report this matter to the Police could well ruin any prospect of succeeding with a claim for compensation.

      The UK claims system allows people injured by uninsured or untraced drivers to make a claim for compensation via the Motor Insurers Bureau. However, to qualify for such a claim it is likely that the Motor Insurers Bureau would require you to have reported the matter to the Police.

      When did the accident happen?

      Reply
  12. Ciana

    My mother in law has been hit by a driver that made off, she was unable to get the number plate and her car has sustained significant damage and she is in utter shock. She is covered fully comp and has contacted the police but they said they are unable to do anything although there are multiple cameras along the road where the incident happened. She has been told that she has to pay to get this footage. Is there any way you could help?

    Reply
    • Ian Morris

      We can certainly help with regards to a claim for personal injury compensation, but because your Mother-in-Law was fully comprehensively insured she will have to make a claim against her own insurance for the damage to her vehicle.

      There is a scheme that our specialist Solicitors can use to make a claim for compensation for any injuries in the case of being injured by a Hit & Run driver and we’d gladly assist in that way.

      Reply
  13. Oli pirie

    When I was 15 (currently 19) I was riding home from school to which a parked car, the driver opened her car down on me to which I had to swerve and go over the top of my handlebars. This caused a broken elbow and 2 operations and 6 months to get straight again. I dont know the driver or have any details as at the time my adrenaline was pumping and I just wanted to go home so didn’t think. Is there anything you can do?
    Oli

    Reply
    • Ian Morris

      Although your accident happened over 4 years ago, you are still within the legal time limit to pursue your claim as the 3-year claim limitation period does not start until you reach the age of 18. In your case, your limitation period will expire when you reach 21 years of age. You can read more about claim limitation in our ‘How long do I have to make a claim‘ article.

      As you do not know the details of the car driver or their insurers at all, your only option to pursue any claim would be via the Motor Insurers ‘Untraced Driver’ claim scheme. The Motor Insurers Bureau (MIB) is funded by deductions from car insurance premiums and is set up to compensate the victims of uninsured or untraced drivers.

      I would not at this stage, advise as to whether or not any claim you may make to the MIB would succeed. Your prospects of success will be higher if the details of your accident were reported to the Police at the time (or soon afterwards) and if there are any witnesses available to support your description of the incident.

      Reply
  14. Julie Rogan

    My partner was at work on a public road when a car drove past and clipped his boot from behind. It happened in a split second ! He has no witness and didn’t see what car it was he didn’t even think the driver was aware of it. He reported it to the police 3 weeks after as he thought his work had done it as he ended up being kept in hospital for 5 days for a 3 hour operation for a triple ankle fracture. The police report is done and it’s filed as an untraceable car?

    Reply
    • Ian Morris

      We can help people who have been injured in a car accident where the driver responsible hasn’t stopped and has not been traced, as there is still a route to obtaining compensation in such cases.

      Our Solicitors can pursue a claim via the MIB’s ‘untraced driver’ scheme. Given that a Police report has been filed and medical treatment has been sought, there is a reasonable possibility that our Solicitors could succeed with a No Win No Fee claim for your partner.

      Reply
  15. Kiran Kalirai

    Hi I am wondering if you can help me. My parents car was hit from behind causing significant damage to the car and injury to those in the car. The driver that hit my parents car fled the scene quickly and they were unable to get any details. The incident has been reported to the police and insurance company. The police have advised that they cannot do anything because there are no details of the driver. The insurance company have advised that they need photo evidence which needs to be requested from the local authority. Can you advise how further action can be taken? As the car is very damaged and has caused a lot of distress and injury. Look forward to hearing from you.

    Reply
    • Ian Morris

      Kiran

      Hi, I’m really sorry to hear that your parents have been injured in a hit and run accident. I realise that when an uninsured or untraced driver causes an accident with injuries and damage to vehicles, that it can seem even more stressful than a straight forward car accident with a 3rd party admitting responsibility. However, don’t stress any more – we can help you as there is a scheme in place against whom we can register a claim for your parents injury claims.

      If your parents are fully comprehensively insured, they will have to claim from their own insurance for the damage to their vehicle. However, if they are third party fire & theft insured, they can also claim for vehicle repairs/loss with us too.

      I look forward to hearing from you.

      Regards

      Ian Morris

      Reply
  16. Terry

    My audi has just been hit from behind, the other driver of a Renault drove straight away. I did not get registration but he jilted us hard and hurt neck slightly. I have tpft insurance I can repair car, but how would we claim for injury?

    Reply
    • Ian Morris

      Terry

      Sorry to hear about your car accident. Being hit by an uninsured or untraced (hit and run) driver doesn’t prevent you from pursuing a claim for personal injury compensation.

      We can certainly help you & anyone else in the car to pursue claims for compensation with the help of one of our specialist personal injury compensation solicitors. Any claim would be made via the Motor Insurers Bureau ‘untraced driver’ scheme on a no win no fee basis and you would pay nothing if the claims failed.

      In order to give yourselves the best possible chance of making a successful claim for compensation please do make sure that you have informed the Police about the incident, giving them a location, date and time of the accident along with any description of the car or driver. You should also seek medical attention from your GP or your nearest A&E Department.

      To get your claim started, we’ll need to speak with you to obtain some basic details and understand the incident.

      We have a very high success rate with our claims made for hit and run or uninsured car accident claims and are ready to help you succeed with your claims. As always, it is important to avoid delaying any claim and we’d therefore advise you to contact us as soon as possible.

      We look forward to hearing from you and helping you start your claim.

      Yours sincerely

      Ian Morris

      Reply
  17. Sam

    Hi I was the victim of a hit & run RTA 15 years ago I’m now 26 and have only just been made aware of the mib would I still be able to make a claim for compensation ?

    Reply
    • Ian Morris

      Sam

      Sadly, you are out of limitation. You had until your 21st Birthday to register your claim and despite the fact that you were unaware of the MIB scheme until recently, the fact that you are now 26 would rule you out of making a claim.

      You could of course, contact the MIB directly to discuss this with them.

      Kind regards

      Ian

      Reply
  18. gordon

    I had to swerve to avoid a collision from a vehicle approaching very fast on the wrong side of the road and hit a wall in which i sustained a cracked rib severe seatbelt bruising and whiplash, do i have a case to claim?

    Reply
    • Ian Morris

      Gordon

      Your accident must have been particularly upsetting given that the 3rd party that caused your collision appears to have been uninsured or has fled the scene (I say that as you’ve commented on an article about such incidents). I am sorry to hear about it and hope that you are recovering well.

      We can help you make a claim for injury compensation through the Motor Insurers Bureau (MIB) untraced or uninsured driver scheme. These claims run in much the same was as a standard road traffic accident claim. We’ve got expert Solicitors available to manage a claim such as this for you.

      Reply
  19. Greatta

    I drive for medicaid. I was transporting a patient home yesterday and was run off the road by another driver that was coming head on. Is there any compensation for this?

    Reply
    • Ian Morris

      Claiming compensation in an incident such as the one you describe is a possibility. There are two possible routes available to you and which one would best match the scenario of your situation depends on whether or not you managed to obtain the vehicle registration number of the offending vehicle.

      If you did obtain the 3rd party vehicle registration number, you can make a standard road traffic accident compensation claim.

      If the 3rd party vehicle responsible for causing your accident fled the scene before you were able to obtain any details and is therefore an untraced vehicle, you can make a claim with us through the motor insurers bureau untraced driver scheme for compensation. To do this, you MUST report the accident to the police, giving them as much information as possible.

      Of course, to claim compensation for an injury, it is always important that any injuries you have are reported to a medical profession. Ideally, you should already have seen your GP or attended an Accident and Emergency department of your local hospital for medical attention.

      Each claim route is available to you on a no win no fee basis with you being able to make a claim without taking a risk of being responsible for the costs of a claim should your claim fail.

      I shall also email you regarding this so that you can respond directly to that should you so wish.

      Reply
  20. lisa

    Just need some advice, I was recently hit by a car when I was walking across a pedestrian crossing, she just drove off and this was classed as hit and run. The police have got all the cctv but cannot make out the registration of the car that hit me, I was just wondering could I still claim against something? I have a 8cm bruise on my right leg and it was a zebra crossing, can anyone help?

    Reply
    • Ian Morris

      Hi, thanks for the comment on this article. I am sorry to hear of your situation and hope that it hasn’t caused you too much distress.

      Regarding claiming compensation, as long as a few criteria are met, we should be able to help you with a claim for compensation. Such a claim would be made via the Motor Insurers Bureau and from your perspective, handled in the same way as a straight forward Road Traffic Accident claim. As you have reported the incident to the Police that element of requirement has been sorted. The other two issues would relate to when you had the accident – in order to ensure that it happened within the last 3 years – and whether or not you have had medical treatment.

      Reply
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