Accident Claims Against An Uninsured or Untraceable Driver June 6, 2008
Posted by admin in : Car Accidents, Car Insurance Claims, Car Insurance Articles , add a comment
Author: Paul Steven
Article:
Being involved in a car accident is an unfortunate event but
what happens when the other driver turns out to have no
insurance or even speeds off from the accident scene? Both of
these instances are worrying, and even more so, if you or
someone else in your vehicle was injured and the uninsured
driver was at fault for the accident.
How can you make an accident claim if the other driver is not
insured or drives off from the scene? Fortunately, in the UK
there is an organisation that can help in these worrying
circumstances.
The Motor Insurers Bureau (MIB) was established in 1946 to
“compensate the victims of negligent uninsured and untraced
motorists “. The MIB is funded by all Motor Insurers in the UK.
So all legitimate drivers that pay insurance actually fund the
MIB through their premium payments.
So How Does it Work?
First, you need to contact your own insurance company and let
them know the circumstances of the accident.
Next set-up a meeting with your local personal injury lawyer /
solicitor to make an arrangement for legal expenses insurance to
help protect you against legal costs.
Claims can be submitted directly to MIB by the claimant
themselves or by a personal injury lawyer / solicitor or by an
appointed representative.
You still need to produce evidence that the other uninsured
driver was at fault. So start collecting all documentation and
evidence to prove that the uninsured driver was at fault for the
accident. Police reports, witness statements, pictures of the
accident scene (mobile phone cameras are handy for this),
Doctors reports, if the vehicle was damaged them get it checked
and get estimates of costs involved for repair, if you have been
absent from work through an injury - loss of
earnings etc…
Please be aware that the MIB is however restricted in
compensation payments and has a capped upper limit.
If you were injured by a driver who doesn’t stop then you must
report to the Police within 14 days of the accident or if you
have been badly injured then as soon as reasonably possible.
Then find out if the other driver is in fact insured. You can
trace the vehicle through the DVLA. If you cannot trace the
driver then still contact your own insurers and let them know
the circumstances. You have up to 3 years to make a personal
injury claim against an untraceable driver / vehicle.
In any instance we suggest contacting The Injury Lawyers if you
are looking to make an accident compensation claimfollowing either an accident
with an uninsured driver or a vehicle that sped off from the
scene (hit and run).
About the author:
Paul Steven is an SEO Consultant with
North South Media a Scottish based Web Promotions and
Internet Marketing Company.
