Direct claim through MIB or use solicitor?

nofineplease

I was recently involved in a car accident in which someone rear ended my van at high speed and then ran away from the scene on foot, the police have been unable to trace them so far. The loss of my vehicle will be paid for by my insurance but with a £700 excess. I have some minor injuries including a lasting headache, stiff and sore neck, and soft tissue damage to my leg. I have also suffered some damage to belongings that were in my van and I have had to pay for train tickets and vehicle recovery.

Is it worth claiming with the MIB as a direct claimant or should I use a solicitor that will take 20% of any compensation? Also does anyone have any idea of how much I will be able to receive in compensation for the minor injuries I have sustained?

Many thanks
Harry

Okell

The person who drove into your van may have run away, but was the vehicle they were driving insured or uninsured?  (You haven't said)

AIUI If the vehicle itself was insured then you claim against that insurer.  You only fall back on MIB if it wasn't insured at all.

[Edit:  just because you don't know who the driver was and you don't know if he was insured does not necessarily mean you can go to MIB.  It depends on whether or not the vehicle was insured, not the driver]

nofineplease

Thanks for the reply, I'm not sure yet if the other vehicle was insured. What's AIUI?

HillStreetBlues

nofineplease said:

Thanks for the reply, I'm not sure yet if the other vehicle was insured. What's AIUI?

As I understand it.

Okell

nofineplease said:

Thanks for the reply, I'm not sure yet if the other vehicle was insured. What's AIUI?

Try this:  askMID- Enquiry  [Edit:  will cost you a tenner]

Make sure you understand and comply with their "Terms of use"

born_again

Okell said:

nofineplease said:

Thanks for the reply, I'm not sure yet if the other vehicle was insured. What's AIUI?

Try this:  askMID- Enquiry  [Edit:  will cost you a tenner]

Make sure you understand and comply with their "Terms of use"

Surely that is something the OP insurance would have checked. Perhaps OP needs to ask them, given the yare the experts & should know 🤷‍♀️

Okell

born_again said:

Okell said:

nofineplease said:

Thanks for the reply, I'm not sure yet if the other vehicle was insured. What's AIUI?

Try this:  askMID- Enquiry  [Edit:  will cost you a tenner]

Make sure you understand and comply with their "Terms of use"

Surely that is something the OP insurance would have checked. Perhaps OP needs to ask them, given the yare the experts & should know 🤷‍♀️

You'd think so, but then I'd expect them to have told the OP either that the other vehicle wasn't insured and that he'd have to go through the MIB, or that he could sue the other insurer direct.

As it stands we don't know as the OP's insurer appears not to have told him.  Or if they have, the OP hasn't bothered to mention it.

nofineplease

I've just spoken with my insurance and they've told me that the other vehicle was uninsured.

nofineplease

I was recently involved in a car accident in which someone rear ended my van at high speed and then ran away from the scene on foot, the police have been unable to trace them so far and my insurance company has told me that the other vehicle was uninsured. The loss of my vehicle will be paid for by my insurance but with a £700 excess. I have some minor injuries including a lasting headache, stiff and sore neck, and soft tissue damage to my leg. I have also suffered some damage to belongings that were in my van and I have had to pay for train tickets and vehicle recovery.

Injuries and financial losses are not covered by my insurance and they put me in contact with a solicitor who could claim for those on my behalf. However they haven't said how much I'm likely to receive in compensation and they will take 20% of anything I get.

Is it worth claiming with the MIB as a direct claimant to avoid the solicitors fees or is it very difficult to do that? Also does anyone have any idea of how much I will be able to receive in compensation for the minor injuries I have sustained?

WorldCitizen

I know someone who used 'No win, no fee' solicitor for personal injury claim (their fee is 'up to' 20% from the claim), when he had an accident on the bike.
He had injuries and his claim settlement was about 7K.

cw8825

nofineplease said:

I was recently involved in a car accident in which someone rear ended my van at high speed and then ran away from the scene on foot, the police have been unable to trace them so far and my insurance company has told me that the other vehicle was uninsured. The loss of my vehicle will be paid for by my insurance but with a £700 excess. I have some minor injuries including a lasting headache, stiff and sore neck, and soft tissue damage to my leg. I have also suffered some damage to belongings that were in my van and I have had to pay for train tickets and vehicle recovery.

Injuries and financial losses are not covered by my insurance and they put me in contact with a solicitor who could claim for those on my behalf. However they haven't said how much I'm likely to receive in compensation and they will take 20% of anything I get.

Is it worth claiming with the MIB as a direct claimant to avoid the solicitors fees or is it very difficult to do that? Also does anyone have any idea of how much I will be able to receive in compensation for the minor injuries I have sustained?

MIB will only cover where there is no insurance in place, are your belongings covered on any other policy