Uninsured Driver Claims
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The number of people caught without insurance has increased by almost a fifth in the last two years. This means there are around 1.2 million uninsured drivers on our roads today and the odds on you having an accident with one of these individuals is therefore much higher.
Many people believe that if a car is uninsured then you have no claim against the driver. Fortunately, this is not the case. There is still a way you can obtain rightful compensation, but the process can be more complicated than claiming directly from an insurer.
The MOTOR INSURERS BUREAU (or MIB) is an industry led organisation set up to compensate victims of accidents involving uninsured or untraced motorists. The initial objective for the MIB was to compensate innocent parties for personal injury. Now , they also deal with property damage claims, subject to an excess of £300 being applied.
The MIB operate two "schemes" known as the UNINSURED DRIVERS AGREEMENT (which concerns accidents with drivers who have no valid insurance) and the UNTRACED DRIVERS AGREEMENT (which deals with hit and run cases).
Because these claims can be complicated, it is important that an MIB specialist solicitor deals with your case to ensure that you get the compensation you deserve. There are certain rules to comply with that differ from normal claims involving insurers and it is vital that your lawyers are well versed in dealing with the MIB schemes.
