Uninsured & Untraced Drivers

If you or your property have been damaged by an uninsured driver, or if you are the victim of an untraced driver (i.e. hit and run), you do have a few avenues from which to seek recompense. Firstly if your home or car have been damaged by another motorist you can claim from your own house or motor insurance policy. Unfortunately these days many people are taking up the offers from their insurers to lower their policy cost by taking a much higher excess on the policy. This of course leaves a large gap of £100 to £750 in some cases which you will have to pay yourself. You can claim from the Motor Insurers Bureau (MIB) but they also have an excess of £350. This may seem unfair but, as you can imagine, without a high level cut off point everyone with a shopping trolley car park ding would be making a claim and clogging up the system beyond fair use and the cost to the public would sky-rocket.

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Again a tough area in which to claim as the agency set up, the MIB, is independent and government appointed in as much as it mandatory for every UK insurance company to fund the organsation resulting in an average cost of £30 per year to each insured motorist. Yes, £30 of your insurance policy goes directly to sorting out the mess left by those who don't feel the need to be insured themselves. Unlike civil cases or disputes with an insurance company the MIB, like the CICA, is not really someone you negotiate with, certain price levels are understood and you probably won't receive much over that amount. The only thing that could make a difference is a decent solicitor who can advise you on the best way to present your case.

Like criminal injury cases, solicitors should offer you no win no fee arrangements but if you do win you may lose some of your compensation in legal fees. This is because the MIB does not generally pay legal fees along with the compensation. Hopefully though, if you choose the right solicitor if there are any fees they will be swallowed up by the extra money they will have achieved for you - so you really have to have your wits about you to make sure you pick someone who sounds like they know what they are talking about. You will have a hard time finding a solicitor to represent you if the damage to your vehicle or property is under £1000 and you received no injuries during the crime. The Motor Insurers Bureau has it's own excess of £350 so without the possibility of personal injury compensation due, a good solicitor will tell you to make the claim yourself because otherwise any money you get will be eaten by legal fees. Uninsured and untraced motorist claims can be made to the MIB yourself, just visit their website for more details.*

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*Disclaimer: Although this site is updated as often as possible the information provided may not accurately reflect the current laws, procedures and/or facilities available to you. To ensure that you get the most up to date information make sure you consult an actual injury solicitor before pursuing any action. The articles on this site are for informational purposes only and are not intended to advise any particular action or inaction. Please read our terms of use for more information.

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