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MIB Claims

Each year, thousands of people are killed or injured by uninsured or untraced drivers.

An uninsured driver is a person who is driving without any insurance or without adequate or appropriate insurance. For example, if a person is driving a car which is insured but they, as an individual, are not insured to drive that car, then they will be classed as an uninsured driver.

An untraced driver is a person who leaves the scene of the accident without leaving their details. They are also known as ‘hit and run’ drivers.

It is a shock to discover you have been injured by an uninsured or hit and run driver. But it may still be possible to claim. Our experts have years of experience dealing with road traffic accident claims. We can help you bring a claim for compensation through the MIB.

What is the MIB?

The MIB is a non-profit company set up by the UK motor insurers. They consider claims from people involved in an accident with an uninsured or untraced driver. Whether you were a driver, a passenger, a motorcyclist, a cyclist or a pedestrian, you may be able to claim compensation against an uninsured motorist, or a hit and run suspect, via the MIB.

What are the time limits?

The general rule is that claims must usually be submitted within three years of an accident if you are claiming for personal injury or six years of the accident if the claim is just for property or vehicle damage. In the case of injury for children the three-year time limit does not commence until their 18th birthday.

It is possible to make a claim for a relative who has died in these circumstances. Usually, legal proceedings need to be commenced within three years of their death. 

There are exceptions to the general rule, please contact us if you require more information.

Funding

You may be able to fund your claims against uninsured driver with a “no win, no fee”  agreement.  We may be able to fund your untraced driver claim under a contingency fee agreement.

This means that if your case is unsuccessful, then you will not have to pay anything.

If you are successful, then part of your settlement will be used to cover our legal fees. We will discuss this with you in more detail before we begin work on your case.

What is a ‘Contingency Fee Agreement’?

If you are successful, part of your settlement will be used to cover our legal fees. This will be a fixed percentage. We will discuss this with you in more detail before we begin work on your case. If you do not succeed, you will usually have nothing to pay.

Do I need a solicitor?

You can make a claim on your own, without legal assistance. However you may increase your chances of succeeding in your application for compensation if you have experienced professionals advising you.

If you have submitted your application and it was rejected by the MIB we may be able to assist you in your appeal of the MIB decision. You should be mindful that MIB claims can be subject to very tight deadlines, therefore you can significantly improve your chances to succeed in your claim if you instruct lawyers as soon as possible.

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