Claims against uninsured drivers

What do you do if you are in a road traffic accident, but the other driver is not insured? Or would you know what to do if they can’t be traced, because they left the scene of the accident before exchanging details?

If you’ve been involved in a road traffic accident the aftermath can be overwhelming. At best it can be extremely tiresome, but once you have exchanged details, you know that your insurance company or your solicitor can deal with everything.

But if you haven’t, or can’t, exchange details, you might think you have no recourse under the law to claim compensation.

 The Motor Insurers’ Bureau – commonly known as the MIB – is an organisation that deals with circumstances such as these. The MIB functions under two separate agreements between the Government and the motor insurance industry:

The Uninsured Drivers Agreement

The Uninsured Drivers Agreement requires the MIB to meet unsatisfied Civil Court Judgements against identified motorists, who may not have been insured as required by the Road Traffic Act 1988. So if the other-driver has no valid insurance there is still a way in which we can assist in securing you compensation.

The Untraced Drivers Agreement

The Untraced Drivers Agreement requires the MIB to consider applications for compensation from victims of “hit and run” motorists. Therefore even if you did not get a chance to take down the details of the at-fault vehicle there is still an avenue available to secure compensation that you rightly deserve.


Why choose Levins Solicitors?

Here at Levins we like to offer a personal approach to the legal representation. We can be found in the heart of Huyton delivering a ‘face-to-face’ approach to assist people facing issues with uninsured or untraceable drivers.

Under the MIB Uninsured and Untraced Drivers Agreements’ legal fees are not recoverable, therefore as is the norm across the legal profession we operate on a Conditional Fee Agreement otherwise known as a ‘No-Win No-Fee’ and will deduct 25% from your compensation in the event that we are successful in securing you compensation.

So if you find yourself in a position where you have had a collision with somebody who is uninsured or made the deplorable decision to drive off without exchanging details contact our Personal Injury Team on 0151 480 5777 extension number 5 to be put through to Jon, Harriet or Jamie.