Accidents Involving Uninsured or Untraced Drivers

According to the Motor Insurers’ Bureau, there are 1 million uninsured drivers in the United Kingdom.

If you have been involved in an accident with an uninsured or untraced driver, we can help. Our dedicated team could help secure compensation to cover the cost of your medical treatment, loss of earnings and other related losses so that you will not be left out of pocket by an uninsured or untraced driver. We extensive experience in dealing with these claims and can advise you on the most appropriate course of action for your claim.

Accidents Involving an Uninsured Driver

If the at-fault party informs you that the vehicle they were driving is insured for someone else to drive or identified as stolen, you can still submit a claim to the relevant insurers. It will be up to the discretion of the insurance company to decide whether they will compensate the innocent party. If the insurers refuse to deal with claim or if the at-fault did not have any insurance at all, the only recourse is to make a claim through the Motor Insurer’s Bureau (MIB).

The Motor Insurer’s Bureau is a not-for- profit organisation that has been set up to deal with claims involving uninsured and untraced drivers. For an application to be made to the MIB, the accident must have taken place on a public road or an area that the public and vehicles have free access to.

Get in touch with our claims team for an initial consultation and an assessment of your case.

If you have grounds to make a claim to the Motor Insurers’ Bureau, we can start your claim the same day you call.

Accidents Involving an Untraced Driver

The term ‘untraced driver’ refers to drivers who may have never stopped at the accident scene to exchange details or provided fake details after the accident. Whether you are a driver, passenger, pedestrian, motorcyclist or cyclist, if you have been involved in an accident with an untraced driver you can still make a claim to the Motor Insurers’ Bureau.

You can claim compensation for both physical and mental injuries, death of relative or losses arising directly from your injuries (for e.g. loss of earnings). You might also be able to claim for rehabilitation expenses and costs of any ongoing treatment in respect of your injuries.

The MIB can also pay compensation in respect of property damages (include damage to your vehicle), however, they will only make these payments in the absence of any other insurance cover so if you already have comprehensive insurance on your vehicle, you will be unable to claim for damage to your vehicle from the MIB.

For more information on accidents involving untraced and uninsured drivers, please give us a call on 020 3876 7643 or contact us using our simple and easy online claim form. You can also read our answers to the most frequently asked questions for these claims below.

FREQUENTLY ASKED QUESTIONS ABOUT MIB CLAIMS

1. What is the Motor Insurers’ Bureau?

The Motor Insurers’ Bureau is a not-for- profit organisation funded by insurance companies to compensate victims of both untraced and uninsured drivers. Every motor insurer in the United Kingdom must be a member of the Bureau and contribute to funding as part of the Road Traffic Act 1988.

2. What is the difference between claims involving uninsured drivers and claims involving untraced drivers?

Claims with uninsured drivers can involve stolen vehicles, vehicles being driven by persons not insured to drive them or drivers who do not have insurance policy in place at all.

Claims with untraced drivers include drivers who have never stopped at the accident scene to exchange details (hit & run situations) or provided fake details after the accident.

The Motor Insurers’ Bureau has separate agreements in place for each of the two types of claims.

3. How do I know I am eligible to make a claim against an untraced driver?

This will depend on the circumstances of your accident. Generally, to make a claim under the Untraced Driver’s Agreement:

  • You will have been unable to trace the at-fault driver
  • The accident will have taken place in the last three years for an injury claim and less than six years ago for a property claim (vehicle registration also needed)
  • The accident must have reported to the police with 14 days of injury and 5 days for property damage
  • Accident occurred in England or Wales

4. How do I know I am eligible to make a claim against an uninsured driver?

This will depend upon the circumstances of your accident. Generally, to make a claim under the Uninsured Driver’s Agreement:

  • The at-fault driver was not insured to drive their vehicle
  • The accident will have taken place in the last three years for an injury claim and less than six years ago for a property claim
  • The accident must have reported to the police with 14 days of injury and 5 days for property damage
  • Accident occurred in England or Wales

5. How will my claim be funded?

If you do not have funding through a trade union or a legal expenses insurance policy, we can deal with your claim on a no-win no-fee basis.

Claims against an uninsured driver can be dealt with on a no-win no-fee basis through a conditional fee agreement. ‘No win, no fee’ is a term used to describe an agreement between lawyer and client, whereby legal fees only become payable in certain circumstances. If your claim for personal-injury compensation is unsuccessful, you will not pay us anything. If, on the other hand, you win your case, you may have to pay us a percentage of your compensation.

If you are making a claim under the Untraced Driver’s Agreement, we can deal with your claim on a contingency fee basis, where our costs are recoverable as a percentage of the compensation awarded to you. Please contact us on 020 3876 7643 and our expert team will explain your funding options to you in detail.

6. How long will it take to receive my compensation?

This is a difficult question as many factors are involved. As a general guideline, the MIB states that claims involving property damage or minor injuries can take up to 6 months to resolve whereas more complex claims can take longer. Our team will work to resolve your claim as quickly and efficiently as possible.