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It is illegal to be in charge of any motorised vehicle on UK roads without at least having third party insurance. This type of insurance is the most basic legal requirement, and covers just the other party in an accident where you are at fault. It would not cover any damage to you car, or any compensation to anyone other than the innocent victim (third party).
Other types of motor insurance policies are available, the amount of cover they provide gradually increasing, as does their price, but as part of the premiums for all of them, you pay for the possibility of another driver making a personal injury claim against you.
There are times when drivers are not insured, or their insurance is invalid for some reason. There could be a banned driver behind the wheel, which would immediately mean they are technically uninsured.
In this situation, or perhaps that of a hit and run accident where you do not know who the other driver was, there is no insurance company for you to approach, to claim the compensation you could be entitled to.
The Motor Insurers Bureau (MIB)
The MIB exist to help innocent victims who find themselves in this situation. An insurance company that offers any type of motor insurance has to be a member of the MIB and pay a levy each year based on the turnover of their motor insurance business.
The MIB’s aim is to make sure that innocent victims of accidents, where the responsible driver was uninsured or untraceable, do not lose out on their compensation, and the levy paid by the insurance companies is used to settle these claims.
They also collect data from the same insurance companies, and every insured vehicles detail are entered into one central database, appropriately called the Motor Insurance Database (MID).
If you think that the other vehicle involved in your accident might have invalid insurance, or nor be insured at all, you can go to the MID website and check out if their policy is valid, or if they have one at all.
The MIB have specific amounts they pay for particular injuries, the idea being to keep the system as fair as possible so that all innocent victims of uninsured accidents are treated the same. They will endeavor to deal with each claim as quickly as they can, so the injured party does not suffer more stress than necessary after being involved in an accident that was not their fault.
Making road traffic accident claims
If you are injured in a road traffic accident that was not your fault,regardless of whether the other driver was insured or not, , you still need to make car accident claim. From the victim’s point of view, the way the claim is made will be no different, as long as they use a reputable company with lots of experience in making personal injury claims for road traffic accidents, the process will be simple and efficient, and be dealt with as quickly as possible.
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