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Uninsured Drivers

Driving without insurance is a criminal offence. Leaving the scene of a road accident, commonly known as a ‘hit and run’, is also a criminal offence. Since the Criminal Injuries Compensation Authority (‘CICA’) is a government body set up to compensate victims of crime, it would be logical to assume that you would be able to apply to the CICA for compensation for injuries you have suffered at the hands of an uninsured driver or ‘hit and run’ driver. However, this is not the case. The CICA will not provide compensation for injuries sustained in a road accident where the driver responsible is untraceable or uninsured.

However, all is not lost. There is another government body set up to compensate victims of uninsured and untraced drivers. This body is called the Motor Insurers Bureau (‘MIB’).

Where the driver responsible for an accident can be traced and has insurance, a civil claim may be made to the driver’s insurance company for any physical injuries and financial losses suffered. However, where the responsible driver either cannot be traced or does not have insurance, it is not possible to make a claim in this way. It would not be reasonable for victims of uninsured or ‘hit and run’ drivers to go without compensation for their injuries and losses. Therefore, the government set up the MIB to compensate people injured in road accidents of this type.

Pedestrians, cyclists, other motorists and bus passengers are all frequently victims of motorists driving illegally without insurance, or who flee the scene of the accident. If you have been injured in a ‘hit and run’ accident or an accident with an uninsured driver, you may be entitled to make a claim for compensation to the MIB. In either case, it is important that the incident is reported to the police as soon as possible.

If you have been injured in ‘hit and run’ incident or an accident with an uninsured motorist, contact Criminal Claims Bureau today.

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