Claims Against Uninsured Drivers (MIB Claims)

If you have been involved in an accident through no fault of your own and the person responsible has no insurance then you can still claim compensation for your injuries and associated losses.

The Government set up The Motor Insurers' Bureau (MIB) who have a fund that will pay compensation if it cannot be claimed from another source i.e the responsible party. It is important to ensure that the police have been informed of the accident as this is part of the requirements, they must be informed within 14 days of the accident occurring if you are injured or within 5 days if your claim is for damaged property alone.

It is a criminal offence under Section 154 of the Road Traffic Act 1988 to refuse to give insurance details so if you are involved in an accident and the other party is refusing to give you their insurance details you should report this to the police.

If possible you should get the registration number of the vehicle, this will help a Solicitor identify whether the vehicle is insured; you should also get the name and address of the responsible party.

As with all claims for personal injury the claim must be made within three years from the date of the accident. If your claim is for damaged property the time period is much shorter and the claim must be made within 9 months; a £300 excess will apply for damaged property claims.

The MIB will need information about the accident, details of your injuries and your losses and you will be asked to provide authority to obtain evidence from, amongst others, your doctor and your employers.
The MIB will then investigate the claim; this involves contacting the police to obtain a copy of the report that they will have compiled. The MIB will need to establish liability and may appoint a claims investigator to assist in taking statements and will gather other claims related information.

If the MIB are satisfied that the accident wasn’t your fault they will put forward an offer to settle your claim.
So, if you think you have a claim, simply complete the short questionnaire below and we will check if for you. There is no obligation for you to pursue a claim and you’ll get a prompt response from our specialist personal injury team.

 

Regulated by the Solicitors Regulation Authority