What to do if you are hit by an uninsured driver

clip_image002Uninsured drivers are an unwanted and dangerous presence on Britain’s roads. Although it is illegal to drive a vehicle on a road or in a public place without at least third party insurance, many still do.

Because of this, strict measures are put in place to act as a deterrent for those thinking of driving without the appropriate insurance. Individuals without cover can quickly find themselves with large fines set at the courts discretion, and even disqualified from driving all together.

Despite this, with the cost of motor insurance consistently rising, many are still choosing to take the risk and drive without insurance. This means that there is always a chance that you could be unfortunate enough to find yourself involved in a road traffic accident with an uninsured driver.

The traumatic experience of a traffic accident can be made much worse by a long drawn out claims process caused by a driver not having made the appropriate insurance arrangements to ensure that any damages and injuries caused by them can be compensated for. However, although you are not able to claim compensation through the other driver’s insurance company for damages and injuries, there are fortunately still ways in which you can recover what you are entitled to with the help of a solicitor.

The Motor Insurance Bureau (MIB) is set up to deal with compensation claims for those people that have been involved in road traffic accidents with uninsured drivers. Although it is possible to make a claim through the MIB without a solicitor, many people prefer to make use of a solicitor’s knowledge and advice when preparing and submitting the application form. By choosing a solicitor to help you during the claims process you can be assured that the application will be handled in a way that will guarantee that you obtain fair compensation for the injuries and damages you received as a result of your accident.

Once your application is submitted, the MIB will evaluate your claim to be satisfied that the other party was at fault and weigh up any damage and injury claims in order to determine a fair amount to be paid to you in compensation.

If you have been involved in an accident that wasn’t your fault with a driver that wasn’t appropriately insured, then please call us on 01782 713755 to discuss your case and to see how we can help you, or for more information on road traffic accidents please read our online guide.

Agree? Disagree? Do let Cooks Solicitors know what you think by commenting below.

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