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Victims of uninsured driver accidents can claim compensation

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It’s a sad fact that incidents involving uninsured drivers are on the increase in the UK. For road users who diligently remain within the law, it seems inconceivable that anyone would get behind the wheel without adequate insurance cover, but it can and does happen and when an accident occurs, it can be particularly worrying for the injured party looking to claim compensation.
Many people in Britain are under the misapprehension that nothing can be done about receiving compensation after an accident involving an uninsured motorist. However, this isn’t always the case, thanks to the Motor Insurers’ Bureau (MIB) scheme called the Uninsured Drivers Agreement.
The MIB can help drivers and passengers who have been injured by uninsured road users gain the compensation they deserve via a fund which motor insurance providers pay into.
MIB road traffic compensation claims require specialist legal intervention
Claims under the MIB Uninsured Drivers Agreement can be more complicated than conventional cases against insurers and have their own rules and costs, so it’s important to seek representation from MIB specialist lawyers who are well versed in these procedures.
The recent case involving young Liam Bicknell from the Wirral, who was knocked down by an uninsured driver while using a zebra crossing, highlighted the importance of the role played by the MIB. The incident occurred when Liam was only three years old, and the driver had a history of traffic convictions. Thankfully, Liam received a compensation award of £14,000 that has helped to pay for the medical treatment he needed.
Despite the threat of a fine of up to £5000, 6 to 8 points on the licence or disqualification from driving in some cases, as well as the possibility of the vehicle being crushed; uninsured drivers do not seem to have been put off. In a Money Supermarket poll of over 3000 people, 15% admitted driving without insurance.
This is of course a worrying statistic, but for those who end up victims in accidents involving these uninsured drivers, there is at least the chance of gaining compensation courtesy of the MIB scheme.
If you have been the victim of a road traffic accident involving an uninsured driver, give Stephensons a call on 01616 966 229. Our legal specialists are experienced in MIB claims and are waiting to help.
By personal injury solicitor, Kate Sweeney