Car insurance is there for a good reason. Accidents happen every day on our roads and insurance gives us peace of mind and financial protection.
If you’re involved in a collision on the road caused by another driver, it’s their insurance that covers the cost of any injuries you sustain.
Everyone is required by law to have insurance to drive a vehicle on British roads, but police estimates suggest that there are over a million uninsured drivers in the UK.
So What if You Are Hit by an Uninsured Driver?
If you are injured in an accident caused by an uninsured driver then you can claim against the Motor Insurers’ Bureau (MIB).
The MIB are a non-profit-making organisation and, through an agreement with the Department of Transport, provide a means of compensating victims of road traffic accidents caused by uninsured drivers.
Uninsured drivers cause 130 fatal collisions and over 26,000 injuries each year, according to official MIB statistics, so it’s important to know that you can still claim compensation against a driver who is not insured.
Claiming against the MIB can be complicated and time-consuming, and the rules are changing from 1st August this year, with the introduction of a new Uninsured Drivers’ Agreement.
What Does the New Uninsured Drivers’ Agreement Mean For You?
The current Uninsured Drivers’ Agreement has been in place for the last 16 years and has now been amended following a review by the MIB, in conjunction with the Department of Transport.
Changes implemented in the new Uninsured Drivers’ Agreement include bringing it more in line with EU regulations and developments in case law. Certain out-dated clauses have been removed and the new Agreement makes it harder for the Motor Insurance Bureau to reject claims because of trivial procedural infringements.
It remains to be seen whether claims made under the new Agreement will comply with the minimum standards of compensatory protection required by European law. At this uncertain time, it is vital to seek expert legal advice from an experienced road traffic accident lawyer if you’ve been hit by an uninsured driver.
MIB claims can be complex and it’s not always easy for people claiming on their own to prove causation (i.e. that the other person was at fault). Slater and Gordon Personal Injury Lawyers can guide you through the process of claiming under the new Uninsured Drivers’ Agreement and can ensure you get the medical treatment and any ongoing care and rehabilitation that you need.
For a free consultation about claiming compensation for an injury sustained in an accident caused by an uninsured driver, call Slater and Gordon Lawyers on freephone 0800 916 9046. Our contact centre is open 24 hours a day, 7 days a week.
Alternatively, contact us online to tell us about your accident and we’ll get back to you.