If you have been injured in a hit-and-run whether as a car driver, passenger or pedestrian, you may be eligible to make a hit-and-run accident claim for compensation through a scheme operated by the Motor Insurers’ Bureau (MIB). This guide on hit-and-run claims will look at when a MIB claim might be possible, how the claims process works, and how much you could be awarded in compensation.
If you, your child or a loved one has been injured in a hit-and-run accident, our team can help. A specialist advisor will review your claim, provide free legal advice and explain your options. If your claim has reasonable grounds, one of our personal injury solicitors could help you to claim through the MIB on a No Win No Fee basis.
To find out more about the hit-and-run claims process, please read on. Alternatively, please feel free to call us on 0800 6524 881 if you’d like to discuss your options right away.
Table of contents
- What Is A Hit And Run Accident?
- Am I Eligible To Make A Hit And Run Accident Claim?
- Common Injuries From Hit And Runs
- How Much Compensation For A Hit And Run Accident Could I Claim?
- Evidence To Support A Hit And Run Accident Claim
- Time Limits For Claiming Hit And Run Compensation
- Starting The Hit And Run Accident Claims Process
If you’re involved in a Road Traffic Accident (RTA), you are legally obliged to stop at the scene and provide details about yourself and your insurance policy to anybody else who was involved. The other driver must do the same. A hit-and-run accident is where a driver has failed to stop at the accident scene.
In some cases, a hit-and-run driver (also known as an untraced driver) will flee the scene on the spur of the moment because they know that they are not insured or because they know they are likely to face criminal charges for dangerous or careless driving. In other cases, a driver may fail to stop because they weren’t aware that the accident happened (though this is less likely).
In either case, if you are injured in a hit-and-run accident, you may have grounds to claim compensation through the MIB.
The Motor Insurers Bureau was established in 1946. It is a government-backed scheme that is funded by the insurance industry. The Road Traffic Act 1988 states that all motor insurance companies must be a member of the MIB.
Drivers who are injured by an uninsured or hit-and-run driver may be eligible to claim compensation through the scheme. The MIB is funded by a levy on motor insurance premiums.
If you are injured in a hit-and-run accident, you may think it’s easier to make a compensation claim against your own insurance policy. However, this may have a knock-on effect on the cost of your insurance premiums in the future. Furthermore, you may be left out of pocket if you have to pay a policy excess charge. Therefore, you may wish to check if you’re eligible to hit and run compensation through the MIB instead.
Our personal injury solicitors can help with hit-and-run accident claims if there is a reasonable chance you’ll be compensated. To check this, they’ll verify whether:
- You were involved in a hit-and-run accident; and
- It was caused by an untraced driver’s negligence; and
- You sustained injuries during the accident.
If all of the above is true and one of our solicitors agrees to represent you, they’ll file your claim with the MIB on your behalf. We believe having legal representation will improve your chances of being compensated correctly. Depending on the type of car insurance policy you have, you may need to file a separate claim for any vehicle damage with your own insurer. Your solicitor will check this for you during your consultation.
As with any type of personal injury claim, a hit-and-run accident claim could compensate you for any type of injury caused by another driver’s negligence. Some of the most common hit and run injuries compensation might be claimed for are:
If you’d like to claim compensation for injuries sustained in a hit-and-run accident, please call our team to discuss your options.
No two hit-and-run claims are the same but, in principle, your claim could cover:
- Physical pain and suffering.
- The impact your injuries have on your usual activities (loss of amenity).
- Psychiatric injuries or trauma (distress, anxiety, depression etc).
- Loss of income.
- Care costs.
- Travel expenses.
- Medical treatment costs.
- Future loss of earnings for longer-term injuries.
- Changes to your home or vehicle to help you deal with any ongoing disability.
Our solicitors will consider your claim carefully before filing it with the MIB to try and sure all aspects of your suffering are included.
As every hit-and-run injury is different due to individual circumstances it would be impossible to have a compensation calculator that can guarantee you an exact compensation payout amount. However, we’ve included our compensation calculator here to give you some idea of the potential compensation amounts that might be awarded (for general damages) following a hit-and-run car accident.
During the claims process, you’ll need to prove the severity of your injuries. Therefore, you’ll be required to have a medical assessment. Usually, your solicitor will book this locally with an independent medical expert. They’ll examine your injuries, talk to you about how you’ve suffered and review your medical records. The report from your medical assessment will be used by your solicitor to try and determine how much compensation you’ll claim.
Even though you won’t be able to swap details with the other driver following a hit-and-run, there are some steps you should take. They include:
- Make a note of the date, time and location of the incident.
- Write down as much information about the other vehicle as possible. Ideally, this will include the make, model and colour plus the vehicle’s registration number.
- Ask for the contact details of any witnesses.
- Secure any dashcam footage from your vehicle or others that have stopped.
- Report the incident to the police and write down the reference number.
- Seek medical attention for any injuries sustained by you or your car passengers.
- Take photos of any damage to your vehicle.
- Check if there are any CCTV cameras in the area and request copies of any relevant footage.
All of these steps could prove useful if you go on to make a hit-and-run accident claim as they could provide useful evidence to help prove what happened.
In the UK, all car accident claims have a 3-year time limit. For hit-and-run claims, that will usually begin on the date of your accident.
While 3 years is a long time, hit-and-run claims can be complex and may require a lot of evidence. Therefore, we’d suggest that you start the process as soon as you can. If you do, the MIB may also cover the cost of private medical treatment to help speed up your recovery.
We are ready to help if you’ve decided to claim for injuries sustained in a hit and run. One simple call to our advisors on 0800 6524 881 could be all it takes to get the ball rolling.
If your claim is accepted by one of our No Win No Fee personal injury solicitors, they will:
- Discuss how the accident happened and how you’ve been affected.
- Gather evidence and medical reports to support your claim.
- Liaise with the MIB on your behalf.
- Provide additional evidence if requested.
- Try to secure the highest amount of hit-and-run compensation possible for your suffering.
If you’d like to know more about the hit-and-run accident claims process, please call our use our live chat service to get in touch today.