UNINSURED DRIVER ACCIDENT - MIB

Qualified Personal Injury Solicitors – Uninsured Driver Accident

Our solicitors specialise in personal injury claims. If you have been injured in a car accident caused by an uninsured driver, our solicitors can help you submit a claim to the Motor Insurers Bureau. A solicitor can ensure that you take all of the necessary steps to receive the compensation you are entitled to. It is important that you report the incident immediately. The MIB requires that accidents be reported within five days. Those seeking compensation from the Motor Insurers Bureau must follow stringent guidelines in order to have their claim approved. Many accident victims choose to use a solicitor. By working with a solicitor, you can be sure that all of the requirements have been met so that your rightful claim is not denied.

The Motor Insurers Bureau

The unfortunate reality is that approximately 5% of the total traffic on the road at any given time is without insurance. Though the vast majority of drivers in the UK are insured, there is always a chance of being struck by an uninsured driver. A motorist with no insurance usually has no way of compensating the victim for their injuries and damage to their vehicle. To address this problem, the Motor Insurers Bureau (MIB) was created in order to provide compensation to victims involved in an uninsured driver accident. The MIB is funded through contributions made by each of the car insurance companies in the United Kingdom. Insured motorists ultimately pay for the compensation fund through increases in their insurance premiums to cover these contributions.

MIB Claims – Uninsured Driver Accident

The Motor Insurers Bureau compensates the victims of uninsured drivers for both the damages they sustain, including personal injury, as well as legal expenses. Before the victim receives their compensation, judgement must first be obtained in the County Court at which time the judge determines the amount of compensation that the victim is owed. The MIB pays the victim directly. The negligent driver is then obligated to reimburse the MIB for the amount it paid to the victim.

Victims of Hit and Run Drivers

In addition to accidents caused by uninsured motorists, the MIB also compensates victims of untraced hit and run drivers. The victim will be compensated for their personal injuries. However, the victim may or may not be compensated for property damage dependent on the circumstances of the case. The costs of the property damage must meet a minimum threshold for the victim to receive compensation. If the total damage falls below this minimum, the victim will not receive compensation for their destroyed property. Also note that the MIB does not compensate victims of hit and run drivers for legal expenses.

No Win No Fee Compensation Claims

If you have suffered personal injury in a vehicle collision where the driver is uninsured you should consult a solicitor as soon as possible. Our solicitors offer a no win no fee service which minimises the individual’s financial risk. If the other driver has been traced and identified then you are paid 100% of your compensation with no deductions, however if the other driver remains untraced then the MIB will not pay legal charges which will be deducted from any award.