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Uninsured Driver Claims Against The Motor Insurers Bureau
The Motor Insurers Bureau was set up in 1946 to ensure that any victims who suffered injuries and losses as a result of an accident caused by an uninsured drivers would still receive compensation. The Motor Insurers Bureau is funded by all other UK insurers, although ultimately it is all law abiding drivers who buy their motor insurance each year who fund the scheme. It is estimated that approximately £30 of each motor insurance policy purchased in the UK goes towards the funding of the Motor Insurers Bureau.
The Insurer of last resort?
The Motor Insurers Bureau (normally referred to as the MIB) is often referred to as an insurer of last resort, as anyone claiming from them has to make sure there is no legitimate insurance policy in existence that they could claim against before they can make a successful claim from the MIB.
The Motor Insurance Database?
Until recently it was sometimes incredibly difficult to discover whether another driver had an insurance policy. Solicitors would have to instruct private investigators to track down the other driver and attempt to discover if there was a motor insurance policy in existence. After considerable lobbying by excellent organisations such as the Motor Accident Solicitors Society which is an organisation set up to fight for the rights of accident victims, finally the Motor Insurance Database was created. This now holds the insurance details of every vehicle in the UK and the name of the insurer that covers the vehicle. It is now very easy to discover if any claims will ultimately be made against uninsured drivers.
Now if you are involved in an accident one of the first actions your expert 1stclaims.co.uk solicitor will take is to search the Motor Insurance Database to discover if there is a motor insurance policy in place. If there is, the solicitor can then deal directly with the other driver's insurance company. If there is not a policy in place, a claim is made to the Motor Insurers Bureau for compensation and is dealt with in the same way as any other claim. However, the MIB does have its own rules which can sometimes make the claims process against uninsured drivers more difficult and consequently they can take longer than a claim against the insurer. The Motor Accident Solicitors Society continues to campaign and work closely with the MIB to make the process as simple as possible.
Uninsured Driver Claims, will I still recover my compensation?
Yes, the MIB will pay out for almost all parts of your claim. However, because they are the insurer of last resort, if you have your own fully comprehensive motor insurance policy you will be expected to claim the cost of any damages to your car from your own insurer. However, if you use an expert personal injury compensation solicitor from 1stclaims.co.uk this will not affect your no claims bonus and you can recover any excess on your policy. Therefore, you can recover almost the same amount with uninsured driver claims as you can with a normal claim.
Will the claim take longer against the Motor Insurers Bureau?
As a result of the MIB being funded by all other insurance companies, and indirectly by insured motorists, the MIB has a duty to keep its costs and expenses to a minimum. This does mean that at times the workload for the MIB team can be extremely high and therefore there can be periods of delay. Therefore, although the claim will ultimately be paid by the MIB, uninsured driver claims can and often do take a lot longer than a claim against an insured driver.
What should I do if the other driver was uninsured?
The most important thing to do is instruct an expert personal injury solicitor as soon as possible after the accident so that they can make the necessary searches against the Motor Insurance Database, and ensure that the MIB are notified of your claim as soon as possible.
As all 1stclaims.co.uk solicitors are members of the Motor Accident Solicitors Society and therefore experts in motor accident compensation claims, they understand the procedure fully and are extremely well placed to ensure your claim against uninsured drivers proceeds as swiftyly as possible for you.
Let us take care of your uninsured driver claims.
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