Claims vs Uninsured Motorists

Understanding Uninsured Motorists

In the UK, driving without valid motor insurance is a criminal offence under the Road Traffic Act 1988. Unfortunately, uninsured drivers still pose a significant problem, causing financial and emotional distress to victims of accidents they cause. Whether it involves vehicle damage, personal injury, or other losses, you have the right to seek compensation through specific mechanisms designed to protect victims.

The Role of the Motor Insurers’ Bureau (MIB)

The Motor Insurers’ Bureau (MIB) is a UK-based organization established to compensate victims of accidents caused by uninsured or untraceable drivers. If the at-fault driver lacks insurance, you can file a claim with the MIB. Key aspects of MIB claims include:

• Eligibility: Victims of uninsured drivers who have suffered personal injury, property damage, or other losses can apply.
• Requirements: You must report the accident to the police within 14 days for personal injury claims and provide evidence of your losses.
• Time Limits: Claims for property damage must be submitted within 9 months, while personal injury claims should follow general personal injury time limits of three years.

How HPA Solicitors Ltd Can Assist

Filing a claim against an uninsured motorist can be daunting. Our experienced solicitors at HPA Solicitors Ltd provide comprehensive legal support to guide you through the process, including:

• Assessing your eligibility for an MIB claim.
• Gathering evidence such as medical reports, repair estimates, and police records.
• Liaising with the MIB on your behalf to ensure timely processing.
• Negotiating fair compensation for your injuries and losses.

Why Choose HPA Solicitors Ltd?

With a proven track record of handling uninsured motorist claims, we offer expert legal representation tailored to your needs. We prioritise your recovery—both financial and emotional—by ensuring you receive the compensation you are entitled to under UK law.

Contact Us Today

If you’ve been involved in an accident with an uninsured motorist, contact HPA Solicitors Ltd. Let our dedicated team provide the legal support you need to move forward confidently.