Understanding Hit-and-Run Accidents
A hit-and-run accident occurs when a driver involved in a collision fails to stop, provide assistance, or exchange details as required by law. Such incidents may involve another vehicle, property, or a pedestrian. Under the Road Traffic Act 1988, drivers must stop and provide their details if an accident results in personal injury. Failure to do so constitutes a criminal offense.
Claims Related to Hit-and-Run Accidents
Hit-and-run accidents are unfortunately common, and failing to exchange details or report the incident to the police is a legal violation. Victims may be left injured on the road without emergency assistance. However, there are avenues available for compensation.
Claiming Against an Uninsured Driver
Victims of road traffic accidents caused by uninsured drivers can still seek compensation through the Motor Insurers’ Bureau (MIB), an independent body funded by motor insurers. The MIB provides compensation for claims against uninsured drivers, provided certain conditions are met:
- The accident must be reported to the police.
- The MIB must be informed if legal proceedings are initiated.
- A judgment must be obtained against the uninsured driver before the MIB processes the claim.
Hit-and-run claims fall under a separate scheme with distinct procedures, whereas uninsured driver claims follow standard civil protocols.
Tracing an Uninsured Driver
Some drivers flee accident scenes because they are uninsured or driving stolen vehicles. If the vehicle cannot be traced, the responsible party may evade penalties. However, even without a registration number, a claim can still be made through the MIB for injuries and other losses. MIB Untraced Driver claims adhere to strict legal guidelines, making them more complex than standard personal injury claims.
The Role of the Motor Insurers’ Bureau (MIB)
The MIB compensates victims of hit-and-run accidents using funds collected through a levy on motor insurance premiums. If an at-fault driver cannot be identified or lacks valid insurance, the MIB processes claims. A personal injury solicitor can assist in navigating the process and ensuring rightful compensation.
Consequences for Uninsured Drivers
Driving without insurance is a serious offense with severe penalties, including:
- Six penalty points on the driver’s license.
- A fixed penalty fine of £300.
- Possible court prosecution, leading to harsher penalties such as disqualification from driving.
- Vehicle seizure by the police.
- Financial liability for injuries and damages caused in an accident.
Vehicle Repairs After a Hit-and-Run
If your vehicle is damaged by an uninsured driver, you may be eligible for compensation through the MIB. To file a claim, you must provide supporting evidence such as:
- Witness statements
- CCTV footage
- Police reports
- A vehicle repair invoice
If your vehicle is declared a total loss, you may need to negotiate with the MIB regarding salvage value. Proper documentation is crucial for a successful claim.
Does Insurance Cover a Hit-and-Run?
Certain types of insurance can help cover damages after a hit-and-run accident:
- Uninsured Vehicle Coverage: Protects against vehicle damage if the at-fault driver is untraced or uninsured.
- Accident Coverage: Covers repair costs regardless of fault but may require an excess payment.
- Personal Injury Protection: Covers medical expenses for the driver and passengers, separate from fault determination.
- Medical Treatment Costs: Provides additional coverage for medical expenses, supplementing personal injury protection.
It is essential to contact your insurance provider promptly to initiate a claim and submit all necessary documentation.
Impact of a Hit-and-Run on Insurance Premiums
Being involved in a hit-and-run accident can impact your insurance premiums. If the at-fault driver is untraced, your insurer may categorize you as a higher risk, leading to increased rates upon policy renewal.
- No-Fault Accident Claim: Filing a claim under comprehensive or uninsured driver coverage may still increase premiums.
- No-Claims Bonus: If the responsible driver is not identified, your no-claims bonus could be affected.
- Premium Increase: Expect a potential rise in insurance costs at the next renewal.
Penalties for Hit-and-Run Violations
Committing a hit-and-run offense can lead to serious legal consequences, including:
- Six penalty points on the driver’s license.
- Unlimited fines, depending on the severity of the accident.
- Up to six months in prison for severe cases involving serious injury or property damage.
Understanding the legal and financial implications of hit-and-run accidents can help individuals navigate the aftermath effectively and seek appropriate compensation.
