Being involved in a road traffic accident is bad enough, but being hit by an uninsured driver is even worse. Because if the driver who caused the accident is not covered then there is no chance of claiming compensation for injury, medical expenses, loss of earnings or vehicle damage, is there? If you were to ask a road accident solicitor, they’d tell you otherwise.
The Motor Insurance Bureau is an organisation which allows drivers who suffer injury or vehicle damage as a result of the negligence of uninsured drivers to claim compensation. The Bureau has paid out nearly £2 billion since its inception in the year 1946 and now pays out about £200 million every year. Each and every motor insurance company contributes to the money paid out by the Motor Insurance Bureau, meaning that a significant amount of each driver’s insurance premium goes towards the pot. Innocent, law abiding drivers frequently use the service, because it is believed that as many as one in every twenty UK cars is either uninsured or not adequately covered.
Drivers wishing to claim compensation for their injury and losses caused by an uninsured driver are advised to enlist the services of a road accident solicitor when approaching the Motor Insurance Bureau. Claims can be brought for legal fees and medical expenses as well as loss of earnings and vehicle damage. Claiming with the Motor Insurance Bureau is more complex than claiming against an insured driver and so it is important to enlist the help of a road accident solicitor.
In order to make a claim through the MIB, legal action must be launched and a request submitted to the court for permission to make a clam. The request will be accepted or rejected by the court. Rejections occur if MIB protocol is not followed or if the court feels that the case that has been presented is not compelling enough. The Bureau follows a strict set of guidelines and very rarely does it accept cases without a road accident solicitor.
If the driver and his or her road accident solicitor are successful and their application is successful then there is no need to wait for the Bureau to track down the uninsured driver. Instead the case is considered and an appropriate amount of compensation awarded. Then the Bureau will work to track down the uninsured driver to reclaim their costs.
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