Untraced Motorist & Uninsured Driver Compensation Claims
There are an estimated 1 million uninsured drivers on the United Kingdom’s roads. Insurance statistics prove that uninsured drivers have a higher chance of being involved in an accident than insured ones. Also they will be prosecuted for dangerous driving and for driving without due care.
If you are involved in a car accident that was not your fault with either a hit and run driver or an uninsured driver, untraced motorist & uninsured driver compensation claims could be made against the Motor Insurers’ Bureau (MIB).
Motor Insurers’ Bureau (MIB)
The MIB is an organisation which has to meet claims on behalf of victims of uninsured and untraced UK motorists and provide a fund for compensation for people who have been injured in a car accident with an unknown or uninsured driver. The MIB run three types of schemes that help the victims of negligent drivers, and these schemes are named:
- The uninsured driver’s scheme
- The untraced driver’s scheme
- The green card scheme
That means that you as an innocent road user are eligible to make compensation claims, and with the help of untraced motorists & uninsured driver compensation claims lawyers, you can recover the financial loss if you have an accident with an uninsured or untraced motorist.
The MIB will only compensate where there would have been a legal requirement to insure the offending vehicle. Thus an accident caused by a bicycle will not be considered under the scheme. More than that, as there is no legal obligation to insure a vehicle when used away from the highway or public place (i.e. on private land), an otherwise valid claim may fail altogether if you have been hit by a vehicle in the wrong place.
Untraced Motorists & Uninsured Driver Compensation Claims Lawyers and Solicitors
You should always get expert professional advice when making a claim. They will help you to make sure you are doing everything you need to do and make sure you have all the proper documentation as this will give you a higher success rate.
If you have been in an accident where the responsible driver ran away from the scene of the accident and it has not been possible to positively trace and identify that driver, it may be necessary for you to submit compensation claims to the Motor Insurers Bureau under the Untraced Drivers Agreement scheme. Again, this is a technically difficult process and it’s important that you obtain proper legal advice from your compensation claims solicitors.
Under the Uninsured Drivers’ Agreement you can claim for personal injury compensation within 3 years of the car accident and claim compensation for damage to your vehicle within 6 years of the accident if an uninsured driver was at fault in a crash with your car.
If you were in an accident and injured as a passenger in a car being driven by an uninsured driver and you were aware that the driver was not insured, it is highly unlikely that any claim you bring against the MIB would be successful. However, if you were unaware that the driver was uninsured, then your compensation claim may be successful.
Untraced motorists & uninsured driver compensation claims solicitors are experts in dealing with the Motor Insurers Bureau under the Untraced Drivers Agreement scheme. It’s often necessary to appeal offers made to clients under the Untraced Drivers scheme and this in itself requires specialist legal advice and representation.
You should also be able to get assistance with your claim from untraced motorists & uninsured driver compensation claims solicitors on a ‘no win, no fee’ basis, meaning that they completely protect you from costs – their service is completely free for you.
If you are successful, the untraced motorists & uninsured driver compensation claims solicitors are likely to take a percentage of your compensation, but they will inform you beforehand when taking on your case.
With accident claims that are accidental, however, meaning you were accidentally injured as a passenger in a car, a pedestrian crossing the street or a cyclist, you can still submit an untraced motorists & uninsured driver compensation claim. If you have serious injuries you can file an accident claim to help you get the money you need to take the place of the income you lose as a result of being hospitalised.
Actions before Untraced / Uninsured Driver Compensation Claims
If you are involved in an accident, try to take down the other car’s registration and details of the vehicle – model, colour etc. Also try to record anything that was said to you by the other driver, as well as any damage inflicted to the other vehicle. If there are any witnesses to the accident, make sure you get their information as well as they can be very valuable to proving your case.
Uninsured Drivers Scheme
Submitting a claim under the Uninsured or Untraced Drivers Agreement, like any other road traffic accident, means that the more information you can gather initially, the more you will speed up and help the untraced motorists & uninsured driver compensation claims solicitors to conclude settlement of your claim. Gather information such as:
- The full name, and address of all the parties involved in the accident, in particular, the responsible party.
- The full make, model, registration number and colour of the responsible party’s vehicle.
- The exact time, date and location of the accident.
- A brief sketch plan of the scene of the accident indicating your direction of travel and the other side’s direction of travel and point of impact.
- The full names and addresses of any independent witnesses to the accident.
- The other side’s insurance details if they will offer them to you.
And of course contact the police so that they can file a legal accident report even if you have just been involved in a minor collision. Do not leave the accident scene quickly. It is important that you only discuss the circumstances of the car crash with the police and your insurance company otherwise inaccurate information regarding fault and liability may get out of hand and ultimately have a contrary effect on your untraced / uninsured driver compensation claim.