If the other driver is uninsured or you can’t trace them, you can make a claim through the Motor Insurers’ Bureau (MIB), which handles compensation in these cases.
The MIB can cover costs for personal injury and, in some situations, property damage, but you’ll need to provide strong evidence that the other driver was at fault. It’s important to report the incident to the police as soon as possible, as a police report is often required to support your claim. Be prepared for the process to take a little longer than a standard insurance claim, as additional checks are made.
No. As long as you’re not claiming through your own policy, your no-claims discount should remain untouched.
You may need to gather more evidence or seek legal advice. In some cases, you can use your own insurance and let them pursue the claim on your behalf.
You can claim directly, which avoids extra fees. Claims companies can help but may take a cut of any compensation.
Yes, if the other insurer accepts liability. Some policies also include this as standard, so check your terms.
