Hit and Run Car Accidents with Uninsured Drivers
Sadly, the number of accidents involving uninsured drivers continues to rise. If your are unfortunate to be involved in an accident when the other driver isn’t insured or simply drives off ( known as a hit and run car accident ) what can you do if the accident wasn’t your fault ? Fortunately, help is on hand with the government and insurer funded Motor Insurance Bureau. This runs two schemes, firstly the Uninsured Drivers Scheme, which compensates drivers when the accident was caused by a driver who simply wasn’t insured and can be identified. The second is known as the Untraced Drivers Agreement, and compensates motorists who have had an accident when the other driver can’t be identified having failed to stop at the scene of the accident.
It is always sensible to ensure that you seek legal advice when submitting a claim to the MIB, as there are various rules that must be adhered to. For example :-
- the accident must have occurred with the last 3 years
- the accident must have been reported to the police
- all losses must be kept to a minimum
- the accident must have been still caused by the other driver
Compensation for personal injury can be recovered under both schemes, as can loss of earnings, and medical expenses. However, property damage can only be claimed under the Uninsured drivers scheme, which also carries a £300 policy excess. If you need help and assistance, please contact us on 0845 269 3571, and speak with Tim Murden who heads the Uninsured drivers accident team. He can also be contacted by e-mail on firstname.lastname@example.org.