Uninsured / Untraced Driver Claims

If you have been involved in a road traffic accident and you have sustained an injury due to a negligent driver that either drove off or has no insurance, you are still able to make a claim for compensation. The usual rule of thumb is that you are able to pursue the negligent drivers’ insurance company for your compensation.  If they drive away from the scene or turn out to have no insurance, they are not able to just ‘get away with it’.  If you have been injured as a result of a road traffic accident and the other driver is not insured or has driven off, you CAN still make a claim for compensation.  This is because of an organisation called the Motor Insurers’ Bureau.  By making a claim for compensation through them, you can obtain the compensation you would have been awarded had the negligent driver stuck around or had insurance.

In 1946, the Motor Insurers’ Bureau, or ‘MIB’ for short, was set up ‘to compensate the victims of negligent uninsured [and untraced]…motorists’.  The Road Traffic Act 1988 stipulates that each and every motor insurance company must make a contribution to the MIB to fund your potential claims for compensation.  In reality, what this means is that around £15-30 of your insurance premium will go towards funding the compensation fund of the MIB.  This is why you can still obtain compensation if the negligent driver is uninsured or untraced.  This is only right.  It simply cannot be the case that because of their illegal and immoral actions that you are left to fend for yourself.  The MIB has helped a significant number of motorists injured by negligent drivers.  In 2008, the MIB settled 64,000 claims.

It is also worth noting that where the negligent driver’s vehicle is foreign registered, a claim for compensation can similarly be made through the MIB’s Green Card system.

So – how do you go about making a claim through the MIB?  Well, at The Injury Lawyers we believe that the best course of action is to contact a quality injury lawyer with several years experience in dealing with MIB claims.  This professional injury lawyer should work free of charge and never seek to recover any of their costs from you.  Through their expertise, they will be able to guide you through the process of submitting an MIB claim form.  They will ensure that all is correct and help you every step of the way.  If you have any queries at all, please contact The Injury Lawyers – we are more than happy to assist you.