Car accidents with uninsured drivers
It is estimated that there are more than 1.5 million uninsured drivers currently on UK roads. Statistically an uninsured driver is much more likely to be charged with drink-driving and other motoring offences than an insured driver. Unfortunately this means that the risk of having an accident with an uninsured driver is higher than you may think.
Fortunately in the UK we all have a degree of protection in the form of compensation for injuries or vehicle repairs from the Motor Insurers' Bureau. The Motor Insurers' Bureau (MIB) are a non-profit organisation set up by motor insurance industry to help compensate victims of uninsured or untraced 'hit and run' drivers.
In the UK every insured driver contributes approximately £30 per year as part of their insurance premium to the Motor Insurers Bureau. This fee enables them to operate a fund from which the innocent victims of road accidents with uninsured drivers can make a claim for car accident repairs or injuries sustained as a result of the accident.
There are specific conditions which have to be met in order for an MIB claim to be considered:-
- An injury compensation claim must be made within 3 years of the accident occurring
- A claim for vehicle damage repairs must be made within 6 years of the accident occurring
- Expenses must be kept to a minimum
- For an injury claim the accident must be reported to the police within 14 days of the accident occurring
- For an accident damage/repair claim the accident must be reported to the police within 5 days of the accident occurring
Information you will need for an MIB claim
It is always important to collect as much information as possible following any road accident. The more information you can provide, the easier the claims process will be. Ideally the information you provide should include the following:-- Names, addresses and contact details of everyone involved in the accident, including witnesses details.
- The registration numbers, make, model and colour of the vehicles involved
- Any photographs or videos of the accident scene showing skid marks etc. and damage to vehicles
- Any information regarding weather conditions, road markings and road signs
- Receipts for expenses or repair estimates
- Your own car insurance details and documentation
- A copy of the Police accident report if possible
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