Uninsured Drivers
As the cost of motor insurance increases, particularly for young male drivers, it is now estimated that as many as 2 million drivers might not have insurance.
As a result we are often asked by clients to deal with injuries they have suffered in accidents involving uninsured vehicles.
If you are hit by an uninsured driver you can still make a claim which will be dealt with by the Motor Insurers Bureau in basically the same way as a claim against an insured driver. The MIB was established in 1946 to compensate the victims of uninsured and untraced motorists. Every Insurer who provides motor insurance contributes to its funding and it is estimated that this adds £30.00 to every insurance premium.
If you yourself are uninsured and are injured in an accident which is not your fault, whilst you may be liable for criminal prosecution, you can still make a claim because the accident was not your fault and the absence of insurance is not a relevant factor.
Similarly if you are travelling in a vehicle which, unbeknownst to you, is not insured you can still claim compensation if you are injured in an accident. Whether the accident was the fault of the driver of your vehicle or another vehicle does not matter.
The MIB also operates a separate scheme which applies to untraced drivers. If you are involved in an accident which was the fault of a driver who is untraced; because, for example, they made off from the scene or failed to stop; you can still make a claim which will be dealt with by the MIB.
Claims of this type can be complicated and difficult to pursue so if you have been involved in a claim like this contact a firm of solicitors with experience of handling these types of claims.
