The 5 myths about making a claim against an uninsured driver

Cars in traffic close to each other

The Motor Insurer’s Bureau (MIB) estimates that 26,000 people are injured each year in road traffic collisions caused by an uninsured or untraced driver in the UK. In Scotland alone, there are around 40,000 uninsured motorists – with Glasgow the worst affected.

So if you are involved in an accident with an uninsured driver do you know what to do? Do you know what your rights are? How to recover any losses?

We know there are some myths about making a claim against an uninsured driver and how it all works. So to help separate fact from fiction we are going to answer the most common ones so you know your options should the time ever come.

Myth #1: You can’t claim compensation against an uninsured/untraced driver?

This is false.

Most compensation claims involving uninsured or untraced drivers are made with the Motor Insurer’s Bureau (MIB). This is a national body where insurance companies pay a certain amount of money into a big pot every year.

The money is then used to compensate victims of traffic collisions where the driver who caused the crash either had no insurance or couldn’t be traced.

Myth #2: It’s your own insurance that compensates for your losses in a car accident

This is false.

Where there is no insurance for the negligent party (or if it was a hit and run and the driver can’t be traced) then the MIB will provide compensation to you for your damaged vehicle and personal injury as well as compensation owed to any of your passengers.

Myth #3: Raising a claim with MIB affects your no claims bonus

This is false.

Simply put, your no claims bonus is affected by an insurance company having to pay out because of your negligence not someone else’s. So in the case of an MIB claim, if there is evidence to show you were not at fault then there is no reason for your no claims bonus to be at risk.

Myth #4: There’s a limit to the amount of compensation MIB pays out

This is false.

The MIB does not have a limit to the amount of compensation it pays people. This is because an injured person has the right to be compensated for their losses – not just part of their losses.

An independent personal injury solicitor will help you gather the right evidence to make sure all your losses can be calculated and make sure you do indeed get full and rightful MIB compensation.

Myth #5: You need to be a driver to make a claim with MIB

This is false.

Pedestrians, cyclists and other road users are all eligible for a road traffic accident claim with the MIB should they be injured by an uninsured driver.

For decades, Digby Brown has dealt with road traffic crashes more than any other accident. Every year we help about 2,000 people affected by RTA’s alone and a lot of these include uninsured or untraced drivers.

More information on the Motor Insurer’s Bureau and how we help people recover fair damages is available on our uninsured driver page.