Junaid Afzal
Paralegal
Motor Insurers’ Bureau (MIB) claims are claims made by individuals who have been injured or suffered damage in accidents caused by uninsured or untraced drivers. The MIB is an organisation in the UK that compensates victims when the at-fault driver cannot be identified or does not have valid insurance. This includes situations such as hit-and-run accidents or accidents involving uninsured vehicles.
If the driver cannot be found or does not have adequate insurance, you may still be able to seek compensation through the Motor Insurers’ Bureau (MIB)
What should I do if I’m in an accident with an uninsured or untraced driver?
If you are involved in an accident with an uninsured or untraced driver, you should:
- Report the accident to the police and obtain a crime reference number if the driver is untraced.
- Gather as much evidence as possible, including witness details and photos of the scene.
- Contact your insurance company and inform them of the accident.
- Seek legal advice from a solicitor who can assist with making a claim through the MIB if necessary.
You generally have up to 3 years from the date of the accident to make a claim for personal injury or property damage however it is advisable to begin claims as soon as possible so you can gather evidence early to strengthen your case.
What types of compensation can I claim for?
If you are successful in your claim against an uninsured or untraced driver, you may be entitled to compensation for:
- Personal injuries: Medical expenses, pain and suffering, rehabilitation costs.
- Property damage: Costs to repair or replace your vehicle and other personal property.
- Loss of earnings: Compensation for income lost due to your injuries.
- Other expenses: Including travel, medication, and home care
Will my own insurance affect my claim against an uninsured driver?
Your own insurance policy may cover some costs, such as repairs or medical expenses, in the event of an accident with an uninsured driver. However, you can still pursue a claim through the MIB for compensation if your insurance does not fully cover your losses. Our team here at Wilkins can help you navigate the relationship between your insurance and the MIB claim.
Do I have to pay for a claim against an uninsured or untraced driver?
You should not have to pay out-of-pocket for a claim if you are the victim of an accident caused by an uninsured or untraced driver. Legal costs can often be recovered as part of the claim, and many solicitors work on a no win, no fee basis, meaning you only pay legal fees if your claim is successful.
If you’re involved in an accident with an uninsured or untraced driver, don’t hesitate to contact us so we can help you understand your rights and guide you through the claims process. Our legal team can make the journey to recovery as smooth as possible and ensure that you get the compensation you deserve.
