UNINSURED DRIVER CLAIM SOLICITORS - MIB INJURY COMPENSATION
Our uninsured driver claim solicitors represent the victims of negligent drivers in Motor Insurers Bureau claims throughout the UK. WE work using the no win no fee scheme which is technically known as a conditional fee agreement. No legal charge is payable unless the legal case is won and the client obtains an award of compensation. In the event that the legal claim is lost there is no charge made to the client. Most claims against uninsured drivers are paid by the Motor Insurers Bureau which has different regulations for claims against identified uninsured drivers and unidentified drivers (hit & run) which are outlined below.
Uninsured Driver Compensation Claims
The Motor Insurers Bureau (MIB) was set up by statute in 1946 to compensate the victims of uninsured drivers. The fund pays out more than £200 million every year and has paid out more than £2 billion in total. The UK has a very poor record with one in every twenty cars on the road being driven without proper insurance cover. The MIB pays out claims from a fund that is contributed to by every motor insurance company who must by law dedicate a large percentage of their premiums to the fund. This means that every driver who has a motor policy is paying £15 - £30 of their insurance premium to compensate the innocent victims of uninsured drivers. Whilst an application to the MIB can be made personally, the use of an uninsured driver claim solicitor is recommended due to the complicated technical nature of the regulations that govern MIB applications.
MIB Motor Insurers Bureau
Victims of identified uninsured drivers are covered by the scheme and all losses can usually be claimed against the fund including legal costs and expenses. It is usually necessary for an uninsured driver claim solicitor to take legal action in the County Court and obtain a judgement against negligent third party driver and thereafter that judgement is sent to the MIB who will settle the claim by payment direct to the claimant of the amount that has been awarded. The MIB thereafter pursue the uninsured driver for the amount paid out under the judgement. Great care must be taken in these cases as the MIB have very strict reporting conditions and all steps taken along the way must be advised to the MIB. Failure to comply with the regulations may result in the MIB refusing to settle a claim and all enquiries and requests for information from either the MIB or the solicitor acting on behalf of a claimant in an MIB claim must be dealt with promptly.
Victims of untraced 'hit and run' drivers are also covered by the scheme but are in a slightly disadvantaged position compared to cases where the other driver has been identified. If the driver is untraced then compensation will be paid in respect of personal injury and losses arising from that injury however compensation for damage to property caused by a vehicle that fails to stop is limited to accidents that occurred on or after 14 February 2003 and there are minimal values below which no compensation for property will be paid. The accident must be reported to the police within 5 days, or as soon as reasonably possible. The Motor Insurers Bureau does not pay all legal costs in a hit and run claim but merely makes a contribution which means that in this type of case only, compensation is not paid in full and there may be a deduction to cover the balance of legal costs and expenses.