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Uninsured Driver Claims

Road Traffic AccidentIt is a legal requirement for drivers on public roads in the UK to hold valid motor insurance at all times. Unfortunately, not all drivers adhere to this requirement. It is thought that at any one time there are approximately 6% – 7% of all drivers on the road that do not have insurance for their vehicle.

If you are involved in an accident with a driver that either does not have valid insurance or fails to provide you with adequate insurance details, then you must contact the police as soon as possible in addition to ensuring that you obtain medical treatment for your injuries immediately. It is important that the police are aware that the accident involved an uninsured driver because to make a personal injury claim it is necessary for the report to have been filed within 14 days of the accident. An accident reference number will suffice as evidence that the incident was filed.

When a claim for personal injury compensation is successfully pursued against the negligent party, it is the negligent party’s insurance company that will pay damages to the successful claimant. This is made more complicated by the fact that there is no insurance company to pay damages if the party at fault have no insurance policy. In this instance a government organisation called the Motor Insurers’ Bureau (MIB) will help to compensate victims of accidents with uninsured drivers.

The MIB Uninsured Drivers Agreement will be the instrument that will help with claims against uninsured drivers, however, the policy is complex and it is highly advisable that you seek the services of an experienced lawyer that is familiar with personal injury compensation claims against uninsured drivers. There are a number of important deadlines involved with filing a claim with the MIB and medical evidence is needed to prove that injury compensation is due to be awarded pursuant to the negligence of the other party/parties involved in the accident.