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Hit and run and uninsured driver claims.

The driver drove off, or turned out to have no insurance. The Motor Insurers' Bureau exists for exactly this — and its deadlines are shorter than an ordinary claim.

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Hit and Run and Uninsured Driver Claims
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Hit and Run and Uninsured Driver Claims

What the law requires

Where the driver who injured you cannot be traced, or was uninsured, compensation is available through the Motor Insurers' Bureau. The MIB operates two separate schemes with different rules: the Untraced Drivers' Agreement and the Uninsured Drivers' Agreement.

Both impose requirements an ordinary claim does not — including reporting to the police within set periods and giving the MIB notice in a particular form. Missing one of those steps can end an otherwise good claim, which is why these should not be left.

What decides a claim like this

Liability is established on records far more often than on recollection. In this kind of claim the documents that matter most are:

  • Whether the incident was reported to the police, and when — this is a condition of the untraced scheme.
  • The crime or incident reference number.
  • Any partial registration, vehicle description or witness account.
  • CCTV or dashcam from other vehicles and nearby premises, before it is overwritten.

What to do now

The evidence that decides these claims has a short life. If the accident was recent:

  1. 1
    Report it Tell the police if anyone was hurt or a driver failed to stop, and report it to your insurer even if the other driver was at fault.
  2. 2
    Get the details Registration, name, address and insurer of every vehicle involved, plus contact details for anyone who saw it.
  3. 3
    Photograph everything Final positions, damage to both vehicles, skid marks, road layout and any signage or signals.
  4. 4
    See a doctor A record made close to the accident is the strongest evidence that the injury came from it.

How long you have to claim

The general limitation period for a personal injury claim is three years from the date of the accident, or from the date you first knew the injury was significant and attributable to someone else. If you were under 18 at the time, the three years runs from your eighteenth birthday. Where the injured person lacks mental capacity, time may not run at all.\n\nThe practical deadline is shorter than the legal one. CCTV is overwritten, defects are repaired and records are archived, so a claim started early is almost always a stronger claim.

How we work

We assess the claim, obtain the records that decide it, instruct an independent medical expert and deal with the insurer throughout. Personal injury claims of this kind are run on a No Win, No Fee agreement: there is nothing to pay upfront, and nothing to pay us for our work if the claim does not succeed. A success fee is deducted from the compensation if it does, and we set that out in writing before you commit to anything.

Common Questions

Questions we are asked about hit and run and uninsured driver claims

The driver never stopped. Is there any point?
Yes. The untraced drivers scheme is designed precisely for this situation and pays compensation where the driver is never identified. The reporting requirements are strict, so take advice early.
The driver stopped but had no insurance.
That is the uninsured drivers scheme. It generally provides the compensation the insurer would have paid. There are exclusions — for example where you knew or ought to have known the vehicle was uninsured — which we check at the outset.

Talk it through with a solicitor

Tell us what happened and we will tell you honestly whether there is a claim, what it would involve and how long it is likely to take. No obligation, and no cost for the conversation.

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This work is No Win, No Fee

Nothing to pay upfront. No fee at all if it does not succeed.

Claims of this type are handled under a conditional fee agreement. You pay us nothing to start, nothing as it runs, and no legal fee whatsoever if the claim does not win. If it does, our fee is a percentage of your compensation — capped, and agreed with you in writing before any work begins.

  • Nothing upfront No deposit, no hourly billing, no invoice while the case runs.
  • Nothing if you lose The fee is conditional on winning. If the claim fails you owe us nothing for our work.
  • Capped, and in writing You see the percentage and a worked example in pounds before you sign anything.

It is not the same as risk-free, and we will not tell you it is. Our fee genuinely is — but the wider costs position has exceptions worth understanding before you start. Read exactly how it works, and what it does not cover →

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