Accident claims against an uninsured or untraceable driver

The following text will discuss on the issue of having no insurance after the car accident. If you find yourself in such unfortunate situation and the driver with whom you had accident with runs away or has no insurance, you may not know what to do. This situation may be of great trouble, which can even be made worse if somebody has been injured and the fault of the accident falls on the back of the driver without the insurance.

Motor Insurers Bureau

The following text will tell you what you can do if you find yourself in such situation and you do not know to make the claim. There is an organization in the UK, which helps in such situations. This organization is called MIB, or the Motor Insurers Bureau and it tries to find compensation for the victims of the untraced and uninsured vehicle drivers. This organization was established in the 1946 by all motor insurers coming from this country. By premium payments made by the drivers who are insured have established this organization.

Function

Now we will see how this works in practice. Once you find yourself in the situation in question, you will have to call the insurance company and tell them what happened. Then see a solicitor or personal injury lawyer so that you can be protected against legal costs with the legal expense arrangements. You can make the claim at the MIB or this can be done by the mentioned solicitor or lawyer. The next thing you will have to do is to find some evidence that the fault for the accident falls on the driver with no insurance. For this you will need all the evidence and documentation you may come up with. Such are reports from the doctor, pictures of the accident scene, and statements from the witnesses and police reports.

Also it is good to get the document proving the loss of your earnings if you have missed work due to injury. This will also go for the car and the cost of the repair. There is a capped limit for the compensation payments from the MIB, so this is important to know. 14 days after the accident is a time during which a report has to be made. Also, there is a time frame when the report should be filed if you have been injured. The DVLA hold the information on vehicles and this is where you can see if the driver involved in the accident is insured or not.