Law

This is not a complete list of the law, it is intended to give you a flavour of your rights.

Road Accidents

Section 143 of the Road Traffic Act 1988 provides;

1. (a) a person must not use a motor vehicle on a road unless there is in force in relation to the use of the vehicle by that person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of the Act; and
(b) a person must not cause or permit any other person to use a motor vehicle on a road unless there is in force in relation to the use of the vehicle by that other person such a policy of insurance or such a security in respect of third party risks as complies with the requirements of this Part of the Act.

The Act then goes on to specify the minimum requirements for insurance cover and amongst other things the duty to give insurance information when involved in an accident.

Therefore it is compulsory for drivers to be insured thus allowing redress for innocent third parties who have been hurt through their negligent driving.

Sadly, there are far too many drivers in the UK who do not have valid insurance or who fail to stop at the scene of an accident they have caused.

In such cases The Motor Insurers' Bureau (MIB), which is a body funded by the motor insurance industry, offers a scheme to pay compensation to innocent victims.

There are however stringent rules and time frames involved and specialist advice is preferable to avoid disappointment.

At Fox Claims we have lawyers who specialize in MIB claims and who would be able to assist with such claims.