If you have a car accident through no fault of your own and it turns out that the other driver is not insured, then what do you do?
Normally an insurance company would settle your Ryedale car accident claims
Just in case you have an accident while you are driving, and you get Ryedale car accident claims made against you, when you pay for your insurance, part of the premium is called third party cover. It is this that settles compensation claims, and this is the part of the insurance that it is illegal to be on UK roads without.
If you are the innocent victim of a road traffic accident, Accident Advice Helpline will deal with the insurance company on your behalf, and ensure that they pay you a fair amount for the experience you have been put through by someone else.
But there are several reasons why Ryedale car accident claims could not be made against an insurance company, such as:
- The other car was stolen
- The other driver did not stop (this is usually because they have no insurance)
- The other driver finds that his insurance is invalid for some reason
- They have forgotten to renew their insurance
These are the sorts of things that can mean your Ryedale car accident claims cannot be made against an insurer, so what do you do now?
Motor Insurers Bureau (MIB) to the rescue
Any company that sells motor insurance has to be a member of the MIB. Each year they have to pay a levy based on the amount of motor insurance they sell, and this all goes into one big pot to settle compensation claims where there is a lack of insurance.
They also have to provide the details of every vehicle they insure which MIB feed into a huge database. This can help them to find untraced drivers, and has also been useful to the police for the same reason.
Ryedale car accident claims and using Accident Advice Helpline
Get in touch with Accident Advice Helpline if you have been injured in a road traffic accident that was not your own fault, and whether it is an insurance company or the MIB the claim needs submitting to, we will be able to help. Government departments and agencies are exempt from the need for insurance, so if you accident was with a police car for example, the claim would be submitted directly to the police force concerned, who pay the compensation out of their own funds.
Whichever scenario fits your situation, for us it is not a problem. Over the last 15 years we have dealt with them all on endless occasions, and we are here to help you with your claim now.
Call 0800 689 0500 to speak to an advisor about your claim.