Can You Make a Claim for Negligence Against an Uninsured Driver Via the MIB?

the MIB can pay compensation for property damage, injury, death even 

Stop Sign Attention – Free photo on Pixabay 

A road accident is a stressful experience, to say the least. The overwhelming feeling doesn’t go away for some time. You have an ongoing, general feeling of uneasiness. Rather than going away, the feelings become stronger. If the accident is entirely someone else’s fault, you’re entitled to compensation. But what happens if the driver is uninsured or drives off before you can get their details? Should you be denied access to compensation? No, you can seek compensation in a personal injury claim. You could claim through the Motor Insurer’s Bureau (MIB). Please speak to a specialist personal injury solicitor about how they can help. 

The Motor Insurer’s Bureau is a non-profit-making company, set up by motor insurers. It enters into agreements with the UK Government to fairly and promptly compensate victims of who’ve suffered at the hands of uninsured or untraceable drivers. Changes have been made to the claims process for motor accident claims valued under £5,000, but they don’t cover cyclists, motorcyclists, pedestrians, or scooter riders. It’s recommended to seek professional legal help if you’re about to make a claim. A solicitor can help identify the steps that need to be taken.  

How Do You Know If You’ve Been Hit by An Uninsured Driver? 

Automotive insurance is a legal requirement, but despite this, some drivers are still using the road without valid insurance. If you get into an accident, you can check and confirm the other party’s insurance details by asking the MID database. If the other car is in the database, you’ll be able to see the insurance details. Most importantly, you can use those details when making your claim. If there are no details, chances are that the vehicle is uninsured. If you’re involved in an accident with an uninsured driver, you’ll have to dig deep into your pockets.

If you have third party insurance, you’re able to make a claim through the MIB. Send any supporting documentation to help process the claim as quickly as possible. The time needed to process the claims is more likely to be reduced if you collaborate with the Motor Insurer’s Bureau. More often than not, claims against the MIB have to be brought within three years of the date of the incident. If the other vehicle can’t be traced or identified, a claim for property damage or financial loss can’t be pursued. 

When Can You Make a Claim Against an Uninsured Driver?

 A claim can be made to the Motor Insurer’s Bureau if you’ve suffered injury or damage to your property as the result of someone else’s negligence. The MIB can pay compensation for property damage, injury, death even, arising from the use of a motor vehicle on a road or public space. Equally, you can claim compensation for loss of earnings, medical and personal care costs, if your injuries are particularly serious. The accident must have been reported to the police within 14 days of the incident to bring a claim. If law enforcement officers were present at the scene of the accident, this isn’t an issue. Nonetheless, if your particular circumstances prevented you from reporting the accident to the police, you must show proof that you reported the accident within a reasonable timeframe. 

The question now is: What kind of proof do you need to pursue a personal injury claim? Well, you need evidence such as CCTV footage, medical reports, photographs, and the contact details of the witnesses. The length of the claim depends on how complex the claim is, and delays aren’t out of the ordinary. Your solicitor will keep you informed every step of the way, so you’ll be fully aware of what’s happening. You can be sure that the Motor Insurer’s Bureau strives for excellence. If the case hasn’t met your expectations, feel free to get in touch. Discuss any concerns you might have with the claim handler so that you can address the issue right away. 

There Are Two Types of Claims That the MIB Deals With 

The law allows you to claim compensation directly from the other driver if they were at fault. Compensation claims involve large sums of money, and the problem is that people don’t have that kind of money lying around. Therefore, bringing a compensation claim can turn out to be impractical. The good news is that if you’ve been involved in a collision with another driver, you can make a claim through the Motor Insurer’s Bureau. The MIB deals with two types of claims: when the driver involved in the accident has no insurance or when the accident was caused by a hit and run. Regardless, compensation is calculated in the same way, and all legal costs are payable in addition. 

Vehicles are getting safer, but our safety concern has gotten worse. Each year, hit and run accidents take place. A hit and run accident is when at least one person involved in the collision fleets the scene of the accident without offering aid, enough information to the other driver, or neglects reporting the incident to the local authorities. Cases involving untraceable drivers tend to be more complicated. While the claims process is virtually the same, the amount of legal costs recoverable from the Motor Insurer’s Bureau is limited by 15%. This translates into the fact that you can obtain compensation of a maximum of £3,000. 

You might not be able to bring a personal injury lawsuit if the vehicle you were in was stolen/unlawfully taken, was used without valid insurance, was used as part of a crime, or was used as a means to escape from the police. The MIB will investigate the circumstances of the road traffic accident and decide whether or not the agreement applies. If the claim is accepted, an award is made based on your injuries and financial losses. If you have been injured in a hit and run accident, it would be best to seek medical help as soon as possible. After having reported the incident to the police, gather evidence to make your claim stronger.