Jack is an author of several articles pertaining to No Win No Fee, Compensation Claims, Personal Injury Claims and other legal articles.
Being involved in a car accident is potentially one of the most harrowing experiences possible in day-to-day life. One minute your partner and children are safely driving home from a visit to a relatives; the next, you’re receiving a telephone call from a hospital telling you that the whole family is in a critical condition.
It can be because of no mistake of their own – simply another driver behaving recklessly on the roads is enough to cause a crash. But what about if the other driver just speeds off in a ‘hit-and-run’ style incident? As well as the outrage that such thoughtlessness provokes, one is also left with a seemingly untraceable insurance claim. Money may be badly needed to care for the injured, and one’s patience could be frayed after the trauma of dealing with the crash detritus.
So just how does one claim when the identity of the driver is shrouded in mystery? Fortunately, there is a body to deal with such events: the Motor Insurers Bureau (MIB) is a nationwide scheme set-up to help the victims of accidents with untraceable and uninsured motorists. It’s a scheme that all insurers in the UK contribute to, and is thus funded by all legitimate drivers in the country. Don’t feel bad about claiming through it should the worst happen – you help finance it!
The system in place should you want to make an accident claim is actually quite simple. Firstly, one should contact their own insurance company and let them know the exact details of the accident. You should be very diligent at this stage – one false move and your whole claim may be rendered invalid. Secondly, legal expense insurance should be taken out with your own personal injury lawyer to help protect you against any legal costs that may arise. The accident claim is then submitted to the MIB – either by the claimant themselves or the lawyer involved – and a dossier of evidence to prove the other driver was at fault compiled and submitted to the appropriate governing bodies. Photographs and video recordings of the accident scene; police statements and reports; witness statements; medical checks: all these things can be used to further the case for a successful claim to proceed.
One huge downside of dealing with the MIB is that there is a capped upper limit for insurance payouts. Even if you’re left paralysed with no legs, the MIB will only pay up to a certain amount in compensation. Paradoxically, the drivers who suffer the most trivial of accidents actually benefit most from the services of the MIB. Remember though: you have only 14 days to report the accident to the police. If you’ve been badly injured, there may be some leeway in this, but generally the figure holds true. You’ll probably be so angry that you will need little encouragement to get on the case and start claiming. As long as you can remember the registration number of the vehicle that caused the accident, you should be fine. Otherwise, a cat and mouse hunt may begin. Either way, the MIB is a supportive net that all potential claimants should always bear in mind.
- Related Videos
- Related Articles
- Ask / Related Q&A
- Car Insurance –driver's Education Updated
- Car Insurance – Drivers Warned not to Cut Corners
- Uninsured Drivers Increase the Cost of Car Insurance
- What Affects Car Insurance Policy Rates
- The Nitty Gritty of Getting Caught With No Insurance
- Insurance Woes Hurt The Pockets Of Motorists
- Insurance woes hurt the pockets of motorists
- Singapore Car Insurance - How Your Car Insurance Premium is Determined




Surgical Errors
By: Evan Langsted | 06/07/2009Surgical errors or surgical malpractice, cause a very high number of deaths in the United States each year. A surgical error refers to the failure of a surgeon to provide an adequate standard of treatment and care for their patients, which then results in injury or death.
What are Some Common Treatments for Mesothelioma?
By: Evan Langsted | 06/07/2009Treatments for mesothelioma vary and there is far more information available than can be covered thoroughly, here. So, you are encouraged to read up on as much information as you can find as well as ask your doctor for recommendations specific to your needs, and why he recommends the treatments he does.
What A Dog Awful Day
By: catherine | 06/07/2009A goldern retriever was coated in toxic anti-vandal paint leading to his owner calling for more public awareness of mainatainace work that is completed in the open.
Ravers Told Not To Crowd Surf
By: catherine | 06/07/2009Music revellers have been warned that they should avoid crowd surfing to limit the chances of getting a whiplash injury.
Former Pupil Sues School Over Fall From Window
By: catherine | 06/07/2009A student sues her school after falling out from the window
Subtle Brain Injury
By: Evan Langsted | 06/07/2009Unfortunately, many of these injuries do not appear to be medical emergencies and are not always treated immediately, if at all. It is often the case that the symptoms of a subtle brain injury may have passed by the time the patient receives medical attention.
Is Anesthesia Accident is a Medical Malpractice case?
By: Solomon Neuhardt | 06/07/2009Anesthesia Accident is definitely can be a medical malpractice case when it occurs due to the mistakes in administering anesthesia
When To Call An Injury Lawyer
By: Howard Raymond | 04/07/2009Injury LawyerAn injury lawyer may be needed if you have experienced any type of personal injury. What types of injuries fall into the personal injury category? If someone has undergone any type of physical damage, psychological damage, or death, they have had a personal injury. A neglectful or malicious act or omission, or accident can result in a personal injury. If this occurs to you, an injury lawyer can help.Although they retain the term personal i...
The Billion Pound Swindle – are Injury Lawyers Unneeded?
By: Jack Harris | 18/05/2008 | Personal InjuryHiring a lawyer in a personal injury claim is a must-have cost for anyone considering making a claim. The mere thought of going through the legal wrangling without someone on side who knows the law intimately is enough to put most people off making a claim altogether. But new research from the heart of the lion’s den itself – the Association of British Insurers (ABI) – says that that freeing people from the need to use lawyers could slash car insurance premium rates.
Sky High Insurance Costs Driving Consumers Up the Wall
By: Jack Harris | 18/05/2008 | InsuranceThere are few types of insurance that are legally necessary in the UK – one can choose whether or not to insure his or her life; the same goes for domestic animals or expensive home electronic equipment.
Settling Down – Insurers Pressure Claimants to Go Low
By: Jack Harris | 18/05/2008 | Personal InjuryAmongst the plethora of different insurance claims that the man on the street can go for, the personal injury claim is surely the most varied in it’s outcome. Being subjective by it’s very nature – one man’s minor cut could be another’s gaping wound – means that the upshot of cases can be extremely mixed, and no two are ever the same.
Off the Beaten Track – be Sure to Insure
By: Jack Harris | 18/05/2008 | InsuranceWhether pimple faced and idealistic out of sixth form college, or worn and cynical following a decade battling it out on the rat race, more and more of us are choosing to take ‘gap years’.
Keeping Afloat – Re Mortgages Boost Market
By: Jack Harris | 15/05/2008 | MortgageThe act of re mortgaging one’s house should never be taken lightly – after all, one is playing with the very roof over one’s head. Never the less, it can be a useful tool in obtaining more capital with which to make investments, or to use to raise more cash in another way.
In it for Life – Two Ways to Cut Premiums
By: Jack Harris | 14/05/2008 | InsuranceThe importance of having a solid life insurance policy for yourself and your family is rarely disputed these days. The thought of your loved ones having to cope with the financial pressures of the death of or damage to a principle wage earner is too horrifying for many families to even comprehend.
Go-and-win-not-free - Poor are Hit Hardest by Compensation Culture
By: Jack Harris | 14/05/2008 | Personal InjuryFor many would-be compensation claimants, the term ‘no-win-no-fee’ has become synonymous with a fast and easy way to a large cash payout if an accident occurs. There have been many such cases – countless minor injuries after bus crashes and trips on paving stones have ended in financial reimbursement for the person in question.