In UK, any person driving a vehicle is required by law to have an insurance cover. In general, the compensation claimed by the injured victim is paid by the defendant’s insurance company.
If the negligent driver had no (or inadequate) insurance at the time of the accident, the victim can still submit a compensation claim to the Motor Insurers’ Bureau (MIB). There are several strict rules and deadlines that apply, such as:
- The uninsured driver must be at fault; For injured victims, there must be a formal medical record stating the connection between the accident and the injuries
- For personal injury claims, you have to report the accident to the police within 14 days from the date of the accident and for property or vehicle damage claims, within 5 days
- You have to file the personal injury claim to the MIB within 3 years and the associated property damage claim within 6 years
Contact us today and schedule a free-of-charge consultation.