Hit & run accident compensation claims

Suffering an injury in a road traffic accident is difficult. The situation becomes even more stressful when the at-fault driver is uninsured or fails to stop. However, UK law provides alternative routes for victims to pursue compensation.

This guide explains how hit-and-run accident claims work and what compensation you may receive

Understanding hit & run compensation claims

A hit-and-run accident happens when the at-fault driver fails to stop and does not share their contact information. These cases are more complex because you cannot pursue the responsible driver in the usual way. London recorded 7,708 hit-and-run collisions in 2021, averaging more than 21 incidents per day

An uninsured driver claim arises when the responsible driver lacks valid insurance coverage at the time of the accident.

In both situations, the Motor Insurers’ Bureau (MIB) may provide compensation.

The role of the motor insurers’ bureau (MIB)

The MIB handles compensation claims in the following situations:

• The driver is uninsured.
• The at-fault driver is untraceable, for example, in a hit & run accident.
• Someone stole the vehicle or used it without the owner’s consent.

Who qualifies to make a claim?

You may be eligible to make a hit and run accident claim if:

• You sustained injuries in a road traffic accident involving another driver.
• The driver left the scene, and the police have been unable to trace them.
• You reported the incident within the required time limits.
• The accident occurred in the United Kingdom.

What compensation can you claim?

A successful claim may allow you to recover compensation for:

• Pain and suffering because of your injuries
• Medical treatment costs
• Loss of earnings
• Vehicle damage not covered by insurance
• Care and support needs
• To get an early indication, you can use a claim value estimator.

Steps to begin a hit & run accident compensation claim

Here are the steps to take if a hit-and-run or uninsured driver has injured you:

Inform the police immediately

You must report hit and run incidents and obtain a reference number. This is essential for both insurance company claims and MIB applications.

Get medical care

Medical reports are important evidence for hit and run claims and help support your compensation case.

Obtain evidence

Gather photos, witness details, and any CCTV footage if available. This strengthens your claim whether you claim on your insurance or through the MIB.

Notify your insurer

Inform your insurance company, even if you do not intend to claim right away. Some policies require notification of all accidents.

Contact the Motor Insurers’ Bureau

If the driver is unknown or uninsured, contact the Motor Insurers’ Bureau to begin your claim.

Most claims must begin within three years. Where the driver remains untraced, you can still pursue a hit and run UK claim through the MIB.

Check if you’re eligible for an initial review.

Understanding your hit & run accident compensation claim

A hit & run accident can be distressing. The Motor Insurers’ Bureau provides a route to compensation through structured hit and run accident claims.

Firms such as Claim Time Solicitors may assist individuals under a NO WIN NO FEE arrangement.

Additional considerations for claimants

When making a hit and run claim, it is important to act quickly and keep records of all communication. Keep proper records whether you contact your insurer or the Motor Insurers’ Bureau. This can improve your chances of success.

You should also review your car insurance policy carefully. Some insurance policies include uninsured driver protection, which may allow you to claim without affecting your no-claims bonus.

FAQs