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.
If you’ve been injured in a road accident that was caused by someone else’s negligence, you’re fully entitled to make a claim for compensation. But 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.
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).
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.
What evidence do I need to make a hit and run claim?
It’s helpful to gather as much specific information about the accident as possible. Try to record the following:
- Registration of the uninsured, or hit and run vehicle, if possible
- Accident date and time
- Accident location (street name/road number/ roundabout name etc)
- Full contact details of any witnesses
- Details of any police involvement (reference number, officer numbers etc)
If you’ve been unable to gather this information, for whatever reason, don’t panic. It can still be possible for you to pursue a claim. We’ll always advise you on the best course of action for your particular situation.
Why should I claim injury compensation?
There are many compelling reasons for pursuing your legal right to make a claim – the end goal is to get you fair compensation for injuries that were not your fault. A successful claim can also release funds to pay for private treatment to speed your recovery process.
Should your injuries have stopped you from working and resulted in lost income – now and in the future – this will also be taken into account. Other incurred costs, such as transport and additional medical treatments, will be covered too.
All our passenger road accident claims are made on a no-win, no-fee basis. If your claim is unsuccessful, you won’t be charged a penny.
Let us help
You’re in safe hands with Direct2Compensation. Our claims process is transparent and effective, and you’ll have the peace of mind that comes with our no-win, no-fee approach.
To find out more, or to start your claim today, call us on 01225 430285. If you prefer, we can call you back. After just a few minutes on the phone, we’ll have enough information to allow our solicitors to get your claim started.