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According to information provided at the end of last year, there are more than one million uninsured drivers on the roads in the UK. Despite the requirement to have car insurance being enshrined in law, there are still a worryingly high number of motorists driving without insurance.
This can pose massive problems for other motorists in the case of damage to their vehicles, and even worse – to themselves when they are involved in an accident with an uninsured driver.
Here’s our guide on the steps you need to take, from getting in touch with your insurance provider to the potential to make personal injury claims.
Insurance
Whether you can bring a claim through your own car insurance policy depends on the level of cover you have. If you have fully comprehensive car insurance, you can claim on your own insurance for any car damage following an accident with an uninsured driver.
For those who have third party fire and theft insurance, a claim can be made through the Motor Insurers Bureau (MIB). The MIB is an organisation funded by insurers to compensate innocent victims of road traffic accidents with an uninsured (or untraced) driver.
Personal Injury Compensation
Claims can also be made to the MIB where you have suffered a personal injury following an accident.
In order to stand the best chance of making a successful claim for personal injury, it’s important to seek the assistance of accident injury specialist lawyers, who have dealt with the MIB process and will assist you with all elements of your claim.
Your team of personal injury experts will make the claim on your behalf through the MIB’s Uninsured Drivers Agreement..
In order for your claim to be considered by the MIB, you should:
* Make your claim within 3 years of the accident where you are claiming for a personal injury,
* Report the accident to the Police as soon as possible.
Assisting with your claim
In order to give your claim the best chance of success, your personal injury solicitors need to be provided with as much evidence as is possible. Accordingly, if you can, try to do the following:
* Record the registration number of the responsible party’s vehicle
* Take down the contact details of any witnesses – this includes names, telephone numbers and addresses – as this could prove extremely valuable to your claim
* Ensure you report the case to the police – if they are not already aware of the incident – as this will be valuable for your claim with the MIB
* Put your smartphone to good use and take pictures
* Make sure you receive medical attention – this will not only assist with your injuries, it will create a record to be referenced in your claim
* Make sure you get an estimate for the repairs to your vehicle
It pays to be prepared when the worst does happen.
