When it comes to dealing with hit and run accident claims, Scotland handles them in much the same way as the rest of the UK. No-one wants to see accident victims miss out on compensation because of someone else’s criminal behaviour, so the insurance industry and the Department of Transport have got together to set up an organisation known as the Motor Insurers’ Bureau (MIB), which the victims of hit and run accidents can claim against if the guilty party cannot be located.
Because this is a special arrangement, however, claiming from the MIB does not work in quite the same way as making a claim for other road traffic incidents. Most significantly, it requires the victim to take immediate action in order to make a successful claim. If you are worried about this or any other aspect of the procedure, we urge you to call us for advice as soon as possible after your accident.
Because we are experienced in working with accident victims we realise how disorientating your situation can be. Our lines are open 24/7 and the moment you call we will be ready to guide you through the claims process. This will not place you under any obligation to appoint us to act on your behalf and does not mean you have to make a claim; we simply want to make sure you do not lose the option to claim the compensation you are entitled to.
The first thing we will advise you to do is to see a doctor. Even if you think your injuries will get better without medical assistance, you will need a formal record of what happened to you in order to prove your story. Sometimes, what may seem like minor injuries can prove to be more serious as time passes and if your doctor is aware of what has happened you will have a better chance of avoiding complications.
Secondly, you must report your accident to the police. If you fail to do so within five days you will not be able to claim for property damage. If you do not report it within two weeks, it is unlikely that you will be able to claim for personal injury. Rare exceptions can be made; for instance, if you are unconscious. If you need someone to act on your behalf, we can advise you on how to go about organising it.
Thirdly, if you were driving a vehicle when the accident happened, you will need to talk to your own insurance company. Sometimes they will be able to help you trace the guilty party. If they are unsuccessful it will at least show that they tried, which will help your case.
Finally, if you feel up to it, it will help if you can take photos of the place where the crash happened and collect the details of any witnesses; you do not need to concern yourself with taking statements, that will be done by your solicitor. While these are not essential, they will help strengthen your case.
If you decide that you do wish to claim and you would like us to represent you, we will put you in touch with a road traffic accident lawyer who is experienced in handling hit and run accident claims in Scotland.