If you are bringing a claim against a driver who’s identity is not known
then you will be obliged to bring your claim against an organisation known
as the Motor Insurers Bureau (MIB for short). This is an organisation set
up by insurance companies to deal with claims against untraced drivers.
The rules with regard to the claims brought against the MIB are very strict
and we are fully aware of them.
Since 14th February 2003 it is possible not only to claim for injuries but also
to claim for the damage to your vehicle, providing as a result of the accident,
you have sustained personal injury, unless you are comprehensively insured
when you will be expected to claim against your own insurance policy for
damage to your vehicle.
However, it will certainly be worthwhile bringing a claim if you have incurred
damages to your vehicle or sustained injury. Please note that there are strict
time limits for bringing claims against the MIB and the procedure is hedged
with do’s and don’ts. To be safe you should report the accident to the police
within 5 days of the date of the accident. You must make a note of the time
you made the call, the date, the name and number of the police officer you
spoke to and most importantly, THE CRIME REFERENCE number. If you fail
to comply with the MIB’s rule and regulations in respect of the untraced claim
then you will fail in the claim and there will be no recovery of damages.
We have particular experience in the conduct of such claims and can fully
advise you of your position. Unfortunately, due to the nature of such claims,
we will not be able to act for you under a Conditional Fee Agreement and
some charges would be payable out of the damages recovered. However,
providing accident happened on or after the 14th February 2003, your claim
will be governed by the new UNTRACED DRIVERS SCHEME 2003 and
this will enable you to recover a contribution to your legal fees.
“NO WIN NO FEE” if you fail to recover any damages you do not have to
pay us a penny.
or