Auto Trader

1. What happens if the other driver is uninsured?

You can still make a claim for compensation to cover any personal injuries and certain 'out of pocket' expenses you have suffered as a result of the accident.

However, instead of pursuing a claim directly against the uninsured driver, you can make an application for compensation to the Motor Insurers Bureau (MIB) under the Uninsured Drivers Agreement.

The MIB is a government organisation funded by motor insurers and was founded to provide compensation for the victims of uninsured or untraced motorists. Under the Uninsured Drivers Agreement, you can also recover your legal costs from the MIB.

You should contact the police as soon as possible, in particular if the other driver fails to provide you with their insurance details.

2. What happens if I am involved in a 'Hit and Run' accident?

You can still claim compensation for your injuries but this time a claim for compensation will be made under the MIB Untraced Drivers Agreement you are entitled to claim for property damage as well as personal injury.

You must contact the police as soon as possible. Personal injuries should be reported within 14 days of the accident and property damage should be reported within five days of the accident.

3. How much will it cost?

Most insurance companies work on a no win, no fee basis. This way it won’t cost you anything if you lose the case. Make sure you look into any hidden charges and shop around because there is no shortage of choice.

4. How much compensation will I get?

The amount of compensation you receive for your claim will depend upon a number of factors, including the seriousness of your injuries, the effect your injuries have had upon your everyday life, and your prognosis.

A medical expert will carry out an examination and assessment of your injuries. A detailed report will be prepared, and on the basis of the report, a value can be placed on your claim.