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Injury

Accident Lawyer UK represents specialist personal injury solicitors who have substantial experience in handling Motor Insurers Bureau claims – those involving uninsured or unidentified drivers. Our specialist lawyers operate the No Win No Fee scheme and you are not required to finance your claim as it proceeds. Submit your contact details and one of our team will contact you to offer free advice on how to preserve your legal right to compensation. As a hallmark of our advocates’ quality, they are all members of the Law Society panel of personal injury experts.

The Motor Insurers Bureau is a government established body with the remit of administering funds to compensate victims involved in accidents with negligent uninsured drivers or untraced hit-and-run drivers. These funds are provided by a levy on British motor insurance firms and thus represents a pool of money paid for by all vehicle users – a proportion of each individual’s motor insurance premium is effectively paid into MIB funds.

UNINSURED DRIVERS

• When a claim is made which involves an uninsured driver it is handled in almost exactly the same way as a claim in which the driver is insured, only that the negotiation of the settlement takes place with the MIB instead of an insurance company. MIB stipulations require a nominal excess of £300, which is deducted from the overall compensation package. Inevitably, claiming after an accident involving an uninsured driver will usually take longer to process than one in which the driver was insured, as it is likely that court proceeding will be issued to obtain judgement. The MIB will generally settle the judgement obtained after seven days if they have been given correct procedural notice.

UNTRACED DRIVERS

• In circumstances in which a hit-and-run accident occurs and the driver was untraced or unidentified, a claim can be made to the MIB for compensation for pain and suffering. Unfortunately, other losses, such as property or vehicle damage, cannot be compensated. An appeal can be made if you are not satisfied with the award or not satisfied with the MIB’s decision on liability. There is another difference when claiming from the MIB if the driver is unidentified or untraced: the MIB is only liable to pay legal fees of £175 plus VAT, plus disbursements such as fees for medical reports. This is usually less than typical legal costs and any excess will be deducted from the damages awarded.

If you have been injured in an accident within the last three years, do yourself justice and complete the contact form or phone the advice line and we will immediately put you in touch with a specialist solicitor. If after talking to that solicitor you decide to proceed no further you will not be charged for any advice.