Uninsured And Untraced
You might think that filing a claim against an uninsured or untraced driver is a waste of time, but this is not the case. Simply call us or complete our Online Claim Assessment and we will happily discuss your claim with you.
If you are hit by an uninsured driver, we will assist you in filing a claim against the driver and the MIB. Many full-coverage policies include an uninsured driver guarantee. However, not all insurance companies provide this, so check to see if it’s included before purchasing a policy. If you cause the accident, you will be expected to pay for the cost of repairing the other driver’s car, even if they are uninsured.
The Motor Insurance Bureau (MIB) was established with the purpose of ensuring that any company wishing to underwrite compulsory motor insurance contributes to it to cover those who need to make a claim against uninsured or untraced drivers. They will consider claims for vehicle and property damage, as well as injury, where compensation from another source, such as an insurance company, cannot be obtained.
Every year, hundreds of accidents occur because the drivers of certain vehicles are uninsured. Untraced drivers frequently cause people trouble because they cannot be traced through normal means, but the process of making a claim is pretty much the same as any other claim, except that it is made against an organization set up specifically for this type of claim.
You can file a claim if you have been hit by an untraced driver on a public road, regardless of whether you are a cyclist, pedestrian, motorcyclist, or driver/passenger of another vehicle. However, because there is essentially no one to file a claim against, it is approached in a slightly different manner.
The accident must have occurred within the last three years. We will be unable to assist you if it occurred more than three years ago. We will be unable to assist you further if you have previously accepted an offer of compensation.
Cars that have been stolen
If the car that hit you is later discovered to be stolen, one of three things can happen:
- If the car is stolen and the thief is apprehended and identified, we can assist you in dealing with MIB under the uninsured agreement.
- If the car is stolen and the thief is not apprehended And the owner of the car reports it stolen to insurers, causing them to cancel the insurance, it is classified as MIB untraced, and the claim is made only against the MB.
- If the car is stolen and the thief is not known, but the owner fails to report the theft to his or her insurers, the insurers of the car are the relevant party and must deal with the claim.
We at Invicta Legal are experienced in filing claims against uninsured or untraced drivers, so let us help you with your claim and we will get you the best compensation package possible.