The Court of Appeal will soon rule in a case that was tried before Christmas, in which the applicant sued the unidentified driver of an “insured” vehicle to obtain a judgment that the insurer must respect under S.151 RTA 1988. If the applicant succeeds, this will lead to seismic displacement in such cases, with the complainants likely seeking to prosecute unidentified drivers of insured vehicles, rather than under the untraceable driver agreement, in order to benefit from the higher refundable costs. The good news is that you are still entitled to compensation. This is due to the Motor Insurers Bureau Uninsured Drivers Agreement and the Motor Insurers Bureau Untraced Drivers Agreement. The Motor Insurers Bureau (MIB) agreements have been implemented by the government to ensure that innocent victims of road accidents do not go unpaid if the person is not insured or traceable. The changes to the contract for uninsured drivers include some wording changes that reconcile the current agreement with the new uninsured driver agreement. Substantial amendments include the removal of Clause 7 (which excludes liability for damage to an uninsured vehicle) and Clause 9 (which excluded terrorism from the scope of covered events). The latest agreement for England, Wales and Scotland applies to accidents that occurred on or after 1 March 2017. These agreements are available on the MIB website.

Motor Insurers` Bureau (MIB) handles driver claims involved in accidents involving uninsured or unsurbted drivers. These are documents that, once signed, mean that the MIB, while paying your right, has your consent to reject this amount of compensation as a debt to the other driver. This allows them to track the recovery of the compensation they paid you by the uninsured driver. Persons who suffer property or personal injury caused by uninsured or unregistered drivers are protected by the uninsured driver`s contract or the Untraced Drivers Agreement. All claims arising from these agreements are generally satisfied by the Motor Insurance Bureau, with the office taking responsibility under the uninsured driver contract if a statement is made pursuant to Section 152. However, under section 75 of the Bureau`s statutes, each insurer undertakes to fulfill the Office`s responsibility on behalf of the third party. However, this liability is limited to claims for which there is no other recourse for the victim and, for example, the expenses of the victim`s insurer would not be granted in the context of the judgment. You may have struck an uninsured or unidentified driver. Perhaps the other driver left the accident site without the possibility of obtaining a vehicle registration or third-party personal data, or gave false statements or was not insured. In these cases, the victim would not be able to take legal action against an auto insurer – their only choice would be to pursue the action against the Motor Insurers` Bureau (MIB). This can be difficult because the criteria must be met to qualify for a successful claim against the MIB.