Have you suffered an injury caused by an uninsured or untraced driver?
The Motor Insurers' Bureau (MIB) was set up in 1946 to compensate people who have been injured as a result of a Road Traffic Incident caused by a negligent third party driver who was either uninsured or untraced such as a "hit and run" driver. To date the MIB has paid out more than £2billion in compensation to injured Claimants.
A study by the MIB shows that drivers without insurance were responsible for more than 36,000 crashes and 27,000 injuries in 2006. In the same year more than 180 people were killed and 360 were seriously injured as a result of a collision with an uninsured driver.
The MIB scheme allows injured people to make a claim under Civil Law using one of the two agreements, either the Uninsured Drivers Agreement 1999 or Untraced Drivers Agreement 1996. A claim must be made within 3 years of the accident date in the case of an injured adult or within 3 years of a child's 18th birthday. You should have reported the incident to the Police and you can still claim against the MIB even if the third party was not charged with any criminal offence.
You may be able to claim damages for pain, suffering, loss of amenity, loss of earnings and medical expenses. Any claim for property damage will be subject to a £300 excess. You should keep proof of any losses or expenses relating to the accident where possible such as receipts, wage slips, correspondence from the police or third party driver and photographs of your injuries.
Metcalfes are experienced in dealing with claims against the MIB. Accordingly, we are familiar with the various criteria set by the MIB which must be adhered to under the applicable MIB agreement. Further, we will arrange to meet with you, if possible, to discuss your injuries as we pride ourselves on offering a personal service and we will even complete the necessary MIB forms on your behalf.
A member of our Personal Injury department will be happy to advise you further about how to claim against the MIB including the various funding options available to cover your legal fees. Please contact us on 0117 9290451 and ask to speak with a member of the Claimant Personal Injury department who will be happy to assist you.
Please be advised that this article summarises the law on claims involving the Motor Insurers' Bureau. It is not a comprehensive review of the subject and accordingly is published without responsibility for loss occasioned to any person(s) acting or refraining from action as a result of the information published.