If you’ve been injured as a result of a road traffic accident with an uninsured driver, you may be feeling unsure about the steps you can take to claim compensation. You could have to take time off due to your injuries and suffer losses thinking you can‘t make a compensation claim. This is not the case. Usually when a collision takes place, compensation will be claimed through the insurance company of the driver who was at fault. Where this isn’t possible, victims of a road traffic accident can make a claim through the Motor insurers' Bureau (MIB).
The MIB is a non-profit organisation set up by motor insurers to compensate people injured by uninsured or untraced drivers.
Our Road Traffic Accident Solicitors can help you make a claim through the MIB claims process. We have lots of experience and have ensured successful outcomes for countless clients in this position. If you’ve suffered a serious injury because of the actions of an uninsured driver, we could help you.
Get in touch with our expert Road Traffic Accident team for a free claims assessment.
Meet some of our Road Traffic Accident Solicitors
Why Choose Simpson Millar?
- Experienced team – our team of Road Accident Solicitors have years of experience handling MIB claims, and we can help you obtain the support and compensation you’re entitled to. We can also use our expertise to assist you in appealing a decision if you’ve already had a claim rejected by the MIB.
- Memberships and accreditations – we are members of the Motor Accident Solicitors Society (MASS) and some of our Road Traffic Accident Solicitors are also members of the Association of Personal Injury Lawyers (APIL).
- Tailored service – we know that every road traffic accident will be different. We’ll tailor our service to suit your specific needs.
- Open communication – as the Open Lawyers, we recognise the importance of being clear and transparent with our clients. We’ll make sure you’re informed at every stage of the claims process and adapt our communication to your preference.
People We Have Helped
Pedestrian Injured by Uninsured Driver
A woman in her 30s was hit by a car, and the driver left the scene of the accident . Our client submitted a claim to the MIB, which was rejected outright. We appealed the MIB’s rejection. The MIB then offered £15,000 compensation, but this was rejected. Our clients injuries were serious and she'd lost her job because of them so deserved fair compensation. The MIB later settled her claim for £492,000 compensation. This was a life-changing result for our client.Read Full Case Study
Car Driver Injured By Uninsured Driver
We represented a driver forced off the road by a speeding motorist who, despite a police investigation, couldn’t be traced. Our client was left with serious injuries. We submitted a claim on his behalf to the MIB and he was awarded £350,000 compensation. This helped to cover his living costs and the surgery, treatment and care he needed.Read Full Case Study
What Should I do if I’m injured in an accident with an Uninsured Driver?
It goes without saying the first thing you should do would be to seek medical help. If you’re able to you will need to report the incident to the police and make a record of:
- damage to your vehicle;
- the other vehicle’s model, make and registration number;
- the contact details of any witnesses.
Ideally, you would also make a note of the other driver’s name and contact details, but we know that this won’t always be possible. If the driver who hit you fails to stop and they cannot be traced, you will still be able to claim compensation through the MIB with an Untraced Driver Claim.
What is the Claims Process when making a claim through the MIB with an uninsured driver?
Was the Other Driver Uninsured?
We’ll check to make sure the other driver didn’t have any insurance at the time of the accident. If it is confirmed that they didn’t, we’ll contact the MIB with the details of your claim.
Reviewing Your Claim
The MIB will conduct their own investigation and make a decision on whether or not to accept your claim. During the decision-making process, they may ask for a copy of your medical records and specialist medical reports.
Collecting Medical Evidence
A medical assessment will be arranged for you by the MIB. This will allow for a medical report to be put together, detailing your injuries and the way your life has been affected. It will also help us to understand the level of care, treatment and rehabilitation you may need.
Making the Offer
The MIB may give you an offer of compensation, this will be assessed against our own valuation of your road traffic accident claim. We’ll speak to you about the offer and advise you as to whether we think it meets what you’re entitled to.
Could you make a claim through your own insurance company?
If you’ve been involved in a collision with an uninsured driver, you might consider reaching out to your own insurance company to see if they can help. However, if you don’t have fully comprehensive cover, it’s unlikely that your insurer will pay out.
Even if you have the right kind of cover, it could be difficult to get any payment from your insurer. This is because they will often ask for the other driver’s contact details, full name and address before giving out any compensation. If the other driver is uninsured, it may be difficult to get this information from them.
It’s also important to remember that your insurance solely covers damage to your vehicle. Your insurer may pay out for the cost of repairing your car or van, but this won’t take into account the injuries you’ve suffered and any medical treatment or rehabilitation you’ll need.
By claiming compensation through the MIB with the support of a legal expert, you can be sure that the compensation you receive will fully reflect the impact your accident has had on your life.
How Long do I Have to Make a Claim?
Road Traffic Accident Claims must be made within three years of the accident taking place. If you were under 18 at the time, you will have three years from your 18th birthday to take legal action.
Get in touch with our Road Traffic Accident Solicitors for further advice.
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Simpson Millar Solicitors are a national law firm with over 500 staff and offices in Billingham, Bristol, Cardiff, Catterick, Lancaster, Leeds, Liverpool, London and Manchester.