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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).