Being injured in a road traffic accident is traumatic enough, but when the driver responsible is uninsured or flees the scene, it can leave victims feeling helpless. Fortunately, in the UK, victims still have legal routes to compensation. This guide explains how Hit & Run Accident Compensation Claims work, what you’re entitled to, and how to make a successful claim.
Understanding Hit & Run Accident Compensation Claims
A hit-and-run accident is where the responsible driver leaves the site without any interruption or handing out their contact details. Cases in such categories are particularly cumbersome because the accountable person cannot be sued in the ordinary manner. There were an unacceptable 7,708 hit-and-run collisions recorded in London in 2021, meaning an average of more than 21 a day.
In the same context, cases related to uninsured driver claims constitute those drivers identified who do not possess valid coverage at the time of the occurrence of an accident.
In either case, you can claim compensation from the Motor Insurers’ Bureau (MIB), a UK body paid for by the insurance industry to compensate victims of uninsured or untraceable drivers.
What is the Motor Insurers’ Bureau (MIB)?
The MIB deals with compensation claims when:
- The driver is uninsured.
- The driver is untraceable (e.g. hit and run).
- The vehicle was stolen or used without consent.
The MIB operates under contracts with the UK government to guarantee that road traffic accident victims are not left without compensation because of other people’s lawbreaking.
Am I Eligible to Make a Claim?
You might be entitled to a Hit & Run Accident Compensation Claim if:
- You were hurt in a road traffic accident by another driver.
- The driver left the scene and cannot be traced.
- You made a report of the incident to the police within 14 days (for personal injury claims).
- You assisted fully with the police and any inquiry.
- The accident happened in the UK.
- In case the driver was known but not insured, you can also claim through the MIB under its Uninsured Drivers Agreement.
What Can You Claim For?
Through an effective MIB claim, you could be rewarded with compensation for:
- Pain and suffering because of your injuries.
- Medical expenses (including private treatment or rehabilitation).
- Loss of earnings due to time off work.
- Vehicle damage (if not covered by your own insurance).
- Care costs or help with daily living.
Note: For property damage to be claimed, the incident must usually be reported within five days.
How to Start a Hit & Run Accident Compensation Claim?
Here are the steps to take if you’ve been injured by a hit-and-run or uninsured driver:
1. Inform the Police Immediately
Report the incident to the police immediately and get a crime reference number. You have to report personal injury within 14 days and property damage within 5 days.
2. Get Medical Care
Even in case of slight injuries, go to a doctor or A&E. Medical reports are important evidence for your claim.
3. Obtain Evidence
Get as much information as possible:
- Witness accounts
- CCTV or dashcam records
- Snapshots of the scene and your injuries
4. Send Your MIB Claim
You can apply yourself through the MIB website or instruct a solicitor specialising in Hit & Run Accident Compensation Claims.
5. Wait for the Investigation
The MIB will pursue the investigation of the claim, such as contacting the police and checking the circumstances. This could take a few months.
Should You Hire a Solicitor?
Although you can apply to the MIB on your own, most victims find the process to be overwhelming. A skilled personal injury solicitor can:
- Maximise the amount you’re compensated.
- Make sure all deadlines and requirements are fulfilled.
- Deal with negotiations and appeals if your claim is rejected or undervalued.
Time Limits for Claiming
In the UK, there are strict time limits for bringing a personal injury claim following a hit-and-run accident. Generally, you must start your claim within three years of the date of the accident.
There are important exceptions:
- If you were under 18 at the time of the accident, the three-year period begins on your 18th birthday, meaning you have until your 21st birthday to start a claim.
- If the injured person lacks mental capacity, there is usually no time limit until (and unless) they regain capacity.
- If the driver cannot be traced, your claim will likely be made through the Motor Insurers’ Bureau (MIB) under their Untraced Drivers Agreement. While the MIB generally follows the same three-year limitation period, you are expected to report the incident and submit your application as soon as reasonably possible.
Because hit and run claims can be complex and time-sensitive, it’s crucial to seek legal advice early to ensure your rights are protected and no deadlines are missed.
Conclusion
Although being hit by an uninsured or hit-and-run motorist can be very stressful, British law contains strong protections in the form of the Motor Insurers’ Bureau. With proper paperwork, the police, and perhaps a solicitor’s assistance, Hit & Run Accident Compensation Claims are available to assist you in recovering damages.
Need Help With a Hit & Run Claim?
At Claim Time Solicitors, we specialise in handling complex claims through the Motor Insurers’ Bureau (MIB), which compensates victims of uninsured and untraced drivers. Whether you were a pedestrian, cyclist, passenger, or driver, we can guide you through every step of the claims process.
- Free, no-obligation consultation
- No win, no fee representation
- Expert handling of MIB applications
- Support with gathering evidence and medical reports
- Clear, honest advice about your rights and options
Don’t delay—strict time limits apply. The sooner you get in touch, the stronger your case can be. Call us free today on 0800 970 2727 or fill out our online form to request a callback
We’re here to help you get the compensation you deserve.
