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Not all is lost. The Motor Insurers Bureau (MIB) provides a scheme to which insurance companies subscribe to cover situations involving untraced drivers. If the driver of the vehicle can be identified and turns out to be uninsured then there is a similar scheme under the Uninsured Driver's MIB system.
If however the driver cannot be identified or has provided fictitious details or they are untraced, then the MIB Untraced Scheme comes into play. There are however a number of restrictions. The Scheme will not provide cover for any loss that is already insured, i.e. if your vehicle is fully comprehensively covered. If you have private health insurance, or your employers have an arrangement to fund your salary whilst off, those losses probably cannot be recovered because the MIB are regarded as a fund of last resort and you will be expected to claim under those policies.
There is some debate that this particular clause is in breach of EU Directives but until this is clarified, they appear to remain a fund of last resort. Subject to this, you are entitled to be compensated for your losses as if you were dealing with an insurer, i.e. compensation for your injuries and consequential losses flowing from those injuries and the accident, loss of earnings, travelling expenses, treatment costs, care and support etc.
The MIB do however impose a number of conditions that must be satisfied before they will accept the claim. Injury claims have to be presented within three years and claims for damage to property or other losses have to be presented within nine months otherwise they become time barred.
To ensure that hit and run claim cases are genuine, the police also have to be informed as soon as reasonably practicable and there is a requirement to comply with any request for information and cooperate with the MIB. There are lots of other conditions to comply with, but providing that the claim is made quickly and all the information is available; the claim should be dealt with and the MIB do make a contribution towards legal costs.
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All the way through my claim I have had matters thoroughly explained. Leonie Millard was most helpful and helped me considerably understand anything that needed to be dealt with.
I have found all the staff and the solicitors that I have seen have been very kind, thoughtful and very helpful. I cannot praise them enough and I would not go to anyone else at all.
Easy, regular and relevant communications both written and orally.
The entire process from my claim being taken was dealt with in a highly professional and more importantly timely manner.
I have used Forbes when pursuing a claim for a friend, along with every other legal matter I have been involved in, both personally and professionally. I cannot rate Forbes highly enough.
My Solicitor always returned my calls promptly and set my mind at rest about all of my concerns. Thank you!
I was extremely happy with David Mayor. Absolutely excellent in every way. Thank you.
Very satisfied with everything. Very helpful would recommend you to my friends.
Robin Bower and his secretary were very easy to talk to and always friendly.
John was fantastic through the whole process giving clear, sound advice.
I was very pleased with the outcome and would recommend Forbes Solicitors to anyone in the future.
The legal process can be difficult, complicated and very testing. I was involved in a contested claim against 2 Defendants and Leonie helped me through every step of the way through to trial.
I am happy with the way things progressed, the service was professional, quick, and my solicitor Leonie Millard was very approachable and explained things well.
I approached John Myles when I was at rock bottom and felt that I had exhausted every possibility of proving my case.
The service I received far exceeded my expectations.
As a person who is unaware of the law, I never felt at anytime overwhelmed, as your dealings with me were clear and professional. This has been very much appreciated.
"I was very happy with the service provided by Forbes, the Solicitors always kept me informed and they were very prompt and practical."
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Very happy & delighted with the end result, a big thank you to Leonie
Leonie Millard is a brilliant solicitor who is always ready to help and go the extra mile