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| Uninsured & Untraced Drivers |
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Even though UK law requires all drivers to take out appropriate insurance, according to the Motor Insurer's Bureau, an estimated 1.5 million motorists were on the roads in 2009 without insurance. This means that unfortunately, car accidents where one of the parties involved is not insured properly are not that uncommon. Worse still are untraced motorists who cause damage to other people's property and sometimes even cause serious injuries, yet flee the scene of the accident.
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If you are involved in a road accident which was not your fault, and the driver responsible does not have insurance, you can usually still file an injury claim with the MIB (Motor Insurer's Bureau) which has been set up, and is funded by, all insurance companies in the UK. They will treat your claim as if they were the third party that you could either not find (untraced drivers) or did not have insurance (uninsured motorists).
Accident claims and injuries claims can be particularly daunting to file, and so you might want to get help from a solicitor. The job of a solicitor is to help you file your injury claim in the event that you were not at fault - this type of claim is relatively common in the UK. A solicitor can help you determine whether you are eligible to make a claim, and whether you are likely to receive proper compensation. Many solicitors personalise their services, and many can pursue compensation on a no win no fee basis. This means that you pay nothing if your claim is unsuccessful. Make sure you discuss in depth with the solicitor about any possible fees you may incur during the claims process.
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